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For Companies At a Glance
- Tasks: Lead the underwriting process and mentor a dynamic team in a fast-paced environment.
- Company: Join a specialist Property Lending company in London, focused on bridging finance.
- Benefits: Enjoy a competitive salary up to £100,000 plus excellent bonuses and benefits.
- Why this job: Make impactful lending decisions while shaping the future of your team and the company.
- Qualifications: 3+ years in property finance with strong underwriting experience in bridging or buy-to-let loans.
- Other info: This role requires 5 days in the office, perfect for those who thrive in collaborative settings.
The predicted salary is between 60000 - 84000 £ per year.
Job Description
Up to £100,000 plus excellent bonus and benefits
Due to exciting growth, a unique opportunity has arisen for an experienced Senior Underwriter to join a specialist Property Lending company in London. Specializing in bridging finance, the Senior Underwriter will be responsible for overseeing the underwriting process across the company, and managing high-level decisions. The role involves mentoring the underwriting team, and conducting full analyses of complex loan applications whilst ensuring compliant lending practices. Candidates must have strong experience working as an underwriter within bridging finance and should demonstrate the ability to work in a fast-paced environment.
Please note this role is 5 days in the office.
Duties of the Bridging and BTL Senior Underwriter (Team Manager) to include:
- Oversee a personal portfolio of high-volume, complex loans for underwriting, ensuring adherence to SLAs.
- Make key lending decisions and approve large or complex loan applications.
- Conduct in-depth analysis of loan applications, reviewing financials, credit histories, property valuations, and other relevant data.
- Evaluate risks for each loan, considering factors like borrower credit, loan-to-value ratios, and property values.
- Make informed decisions to approve, deny, or conditionally approve loans based on set criteria.
- Ensure compliance with company policies, regulatory requirements, and industry standards during the underwriting process.
- Collaborate with brokers, borrowers, and stakeholders to gather information, clarify requirements, and provide process updates.
- Assist Underwriting Managers with the evaluation of complex loans.
- Present property loan cases to Underwriting Managers for funding decisions.
- Mentor junior team members to help achieve overall team objectives
Requirements for the successful Bridging and BTL Senior Underwriter (Team Manager) :
- At least 3 years of experience in property finance, specifically in underwriting or credit roles, with a focus on bridging or buy-to-let loans.
- Proven track record of managing high-volume, complex loans for underwriting.
- In-depth understanding of mortgage lending principles, risk assessment, loan products, market trends, and regulatory guidelines.
- Excellent communication skills for effectively interacting with brokers, borrowers, and stakeholders, clearly explaining underwriting decisions.
This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.
Bridging and BTL Senior Underwriter (Team Manager) employer: Montpellier Resourcing
Contact Detail:
Montpellier Resourcing Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Bridging and BTL Senior Underwriter (Team Manager)
✨Tip Number 1
Network with professionals in the property finance sector. Attend industry events or join relevant online forums to connect with others who work in bridging finance. This can help you gain insights into the role and potentially get referrals.
✨Tip Number 2
Stay updated on the latest trends and regulations in bridging finance. Subscribe to industry newsletters or follow key influencers on social media. This knowledge will not only prepare you for interviews but also demonstrate your commitment to the field.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your previous experience that highlight your ability to manage complex loans. Being able to articulate your thought process and decision-making will set you apart during discussions.
✨Tip Number 4
Practice your communication skills, especially in explaining underwriting decisions. Role-play with a friend or mentor to refine how you present complex information clearly and confidently, as this is crucial for interacting with brokers and stakeholders.
We think you need these skills to ace Bridging and BTL Senior Underwriter (Team Manager)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in property finance, particularly in underwriting and bridging loans. Use specific examples of high-volume, complex loans you've managed to demonstrate your expertise.
Craft a Compelling Cover Letter: In your cover letter, explain why you're the perfect fit for the Senior Underwriter role. Mention your experience with mentoring teams and your understanding of mortgage lending principles, as well as your ability to make informed lending decisions.
Showcase Relevant Skills: Emphasise your communication skills and your ability to collaborate with brokers and stakeholders. Provide examples of how you've successfully navigated complex loan applications and ensured compliance with regulatory requirements.
Proofread Your Application: Before submitting your application, carefully proofread all documents for spelling and grammatical errors. A polished application reflects your attention to detail, which is crucial in the underwriting process.
How to prepare for a job interview at Montpellier Resourcing
✨Showcase Your Experience
Make sure to highlight your experience in property finance, particularly in bridging and buy-to-let loans. Be prepared to discuss specific examples of high-volume, complex loans you've managed and the outcomes of those decisions.
✨Demonstrate Analytical Skills
Since the role involves conducting in-depth analyses of loan applications, be ready to explain your analytical process. Discuss how you evaluate financials, credit histories, and property valuations, and provide examples of how your analysis has led to successful lending decisions.
✨Emphasise Team Leadership
As a team manager, your ability to mentor and lead is crucial. Share experiences where you've successfully guided junior team members or improved team performance. Highlight your communication skills and how they contribute to effective collaboration with brokers and stakeholders.
✨Understand Compliance and Regulations
Familiarise yourself with the relevant compliance and regulatory requirements in the property lending sector. Be prepared to discuss how you ensure adherence to these standards during the underwriting process and any challenges you've faced in maintaining compliance.
