Senior Bridging Specialist

Overview

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.

They 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.

Skills, Knowledge and Experience

• 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.

Data Protection

We anticipate that we will retain your data as part of the recruitment process for no longer than is necessary for the purpose for which it was collected unless we have sought your consent to keep your data for future suitable job vacancies. The personal information we have collected from you will be shared with Cifas to prevent fraud and other dishonest conduct and may be used to verify your identity. Further details of how your information will be used can be found at the CIFAS website: https://www.cifas.org.uk/fpn.

Chetwood Bank does not accept speculative or unsolicited CVs from Recruitment Agencies. Any unsolicited CVs received will be treated as the property of Chetwood Bank."

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