Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Assess and underwrite bridging and buy-to-let mortgage applications while managing customer accounts.
- Company: Join Chetwood Bank, a forward-thinking digital bank focused on straightforward savings and mortgages.
- Benefits: Enjoy 25 days holiday, your birthday off, and comprehensive health insurance.
- Why this job: Make a real impact in the financial sector while developing your skills in a dynamic environment.
- Qualifications: 5+ years of bridging underwriting experience and strong analytical skills required.
- Other info: Collaborative culture with opportunities for career growth and professional development.
The predicted salary is between 43200 - 72000 £ per year.
As a Senior Bridging Specialist, you will be assessing the risk and underwriting both personal and limited company bridging and buy to let mortgage applications. You must adhere to the credit framework, as well as compliance and regulatory policy and procedures. You will work collaboratively and build good relations within the Bridging and secured lending department, as well as the wider business, and should be a source of reference/first point of referral for all internal and external stakeholders.
The servicing and collections element involves managing customer accounts throughout the loan lifecycle, with particular focus on arrears management, collections and servicing. You will play a key role in protecting the Bank's loan book performance, minimising losses and delivering fair customer outcomes.
Key Responsibilities- Structure, negotiate, and analyse proposals for approval under own authority.
- Analyse and interpret required documentation (credit bureau, payslips, bank statements, accounts, mortgage statements, assets & liabilities, business plans) to comply with lending policy and protect our interest.
- Approve loans within specified lending mandates.
- Demonstrate strong analytical skills that aid effective decision-making, good problem-solving skills, and a "can do" attitude.
- Assess the commercial risk of bridging lending applications across multiple asset classes and make recommendations on cases outside of current lending criteria.
- Provide guidance to customers, brokers, and solicitors on bridging applications, lending policy, and internal processes and procedures in a timely manner.
- Demonstrate excellent communication skills and the ability to communicate decisions to management, brokers, and customers via all mediums and within published SLAs.
- Demonstrate a good understanding of mortgages as a whole and underwriting within a specialist lending environment and application of the Lending Policy.
- Have a good understanding of all regulatory requirements relating to both personal and Limited Company mortgages.
- Proactively progress cases through all stages of the mortgage process; from application to completion.
- Provide effective support to the business and our customers.
- Act as first point of contact for borrowers regarding loan servicing queries, payments and account management.
- Manage day-to-day servicing activities, including payment allocations, statement requests and redemption processing.
- Process borrower requests in line with policy (e.g. changes to repayment arrangements, settlement figures, term extensions).
- Monitor loan accounts to identify arrears at an early stage and proactively engage with customers to agree a suitable repayment solution.
- Ensure all collection activities are undertaken in line with regulatory obligations.
- Escalate cases where litigation, enforcement, or recovery action may be required, working closely with solicitors, receivers and external partners on recovery strategies.
- A minimum of 5 years of bridging underwriting experience with a mandate is desirable.
- Experience working in a fast-paced underwriting environment.
- Experience in a mortgage/loan servicing and collections function.
- Ability to prioritise tasks and manage time effectively, working on own initiative and as part of a team to meet SLAs and deadlines.
- Good understanding of mortgages/underwriting with the ability to balance commercial risk & opportunity.
- Excellent verbal and written communication skills; able to remain calm under pressure.
- Up-to-date knowledge of FCA/PRA and all relevant regulatory mortgage requirements.
- Excellent organisational skills.
Benefits include 25 days holiday plus your birthday off, pension contribution with Royal London, life assurance, private medical, dental and optical health insurance with AXA, and free breakfast.
About Chetwood Bank: We're a UK-based digital bank dedicated to getting the basics right and offering straightforward savings and mortgages.
Senior Bridging Specialist in London employer: Chetwood Bank
Contact Detail:
Chetwood Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Bridging Specialist in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and mortgage industry. Attend events, join online forums, and don’t be shy about asking for introductions. The more people know you’re on the hunt for a Senior Bridging Specialist role, the better your chances!
✨Tip Number 2
Show off your expertise! When you get the chance to chat with potential employers or during interviews, highlight your experience in underwriting and risk assessment. Share specific examples of how you've navigated complex cases and made sound decisions.
✨Tip Number 3
Be proactive! If you see a job opening that fits your skills, apply through our website. Don’t wait for the perfect moment; take the initiative to express your interest and showcase how you can add value to the team.
✨Tip Number 4
Prepare for those tricky questions! Brush up on your knowledge of FCA/PRA regulations and be ready to discuss how you’ve handled arrears management and customer queries in the past. Confidence is key, so practice makes perfect!
We think you need these skills to ace Senior Bridging Specialist in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Bridging Specialist role. Highlight your bridging underwriting experience and any relevant skills that match the job description. We want to see how you can bring value to our team!
Showcase Your Analytical Skills: Since this role requires strong analytical skills, don’t shy away from showcasing examples where you've successfully assessed risk or made effective decisions. We love seeing how you tackle challenges head-on!
Communicate Clearly: Your written communication skills are key in this role. Ensure your application is clear, concise, and free of jargon. We appreciate straightforward communication, so let’s keep it simple and effective!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy – just a few clicks and you’re done!
How to prepare for a job interview at Chetwood Bank
✨Know Your Numbers
As a Senior Bridging Specialist, you'll need to demonstrate strong analytical skills. Brush up on your understanding of credit bureau reports, payslips, and bank statements. Be prepared to discuss how you would assess these documents in real scenarios during the interview.
✨Understand Regulatory Requirements
Make sure you're well-versed in FCA/PRA regulations and how they apply to bridging and buy-to-let mortgages. Being able to articulate your knowledge of compliance and regulatory policies will show that you’re serious about adhering to the framework.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've tackled complex underwriting challenges in the past. Highlight your 'can do' attitude and be ready to discuss specific cases where you balanced commercial risk with opportunity.
✨Communicate Clearly
Excellent communication is key in this role. Practice explaining complex concepts in simple terms, as you’ll need to guide customers and brokers through the lending process. Think about how you can convey decisions effectively and maintain calm under pressure.
