At a Glance
- Tasks: Assess and underwrite bridging finance applications while ensuring compliance with credit risk policies.
- Company: Join Quantum Mortgages, a top-rated mortgage employer revolutionising the industry.
- Benefits: Enjoy hybrid working, generous leave, and a bonus scheme up to 10%.
- Other info: Be part of an inclusive culture that values innovation and customer satisfaction.
- Why this job: Make a real impact in a supportive team while advancing your career.
- Qualifications: 2+ years in bridging finance with strong analytical and communication skills.
The predicted salary is between 37800 - 46200 £ per year.
The primary function of this role is to assess and underwrite bridging finance applications to ensure all lending complies with the company’s credit risk policy, and assisting our intermediary partners by discussing potential new applications.
Responsibilities include:
- Review, assess and underwrite new bridging loan applications in accordance with Lending Policy and within agreed service level agreement time parameters.
- Evaluate all supporting documentation including credit searches, land registry reports, valuation reports and conduct the required due diligence for every case.
- Provide a clearly articulated and balanced credit rationale supporting the approval of a new application, with mitigations where required.
- Manage a pipeline of cases diligently and efficiently from application through to completion – including liaising with solicitors and arranging funding.
- Ensuring a high level of accuracy of data entry and ongoing record keeping.
- Being an active team member with a can-do attitude, able to prioritise tasks in a fast-paced environment.
- To participate and contribute to ongoing business improvement activity.
- Deliver a first-class, proactive customer service to all stakeholders.
- Build a thorough understanding of the products offered by the Firm, its lending strategy, credit risk policies, and processes.
- Assisting with new enquiries from introducers to provide heads of terms.
What we’re looking for:
Skills and Competencies
- Essential
- Strong analytical and decision-making skills
- Ability to articulate credit decisions succinctly and effectively with a clear rationale.
- Strong organisational skills and attention to detail.
- Ability to prioritise tasks effectively.
- Excellent communication skills across all levels.
- Adaptability and flexibility to meet changing business needs.
- Ability to work under pressure and meet tight deadlines with a positive attitude.
- High level of accuracy in data entry and record keeping.
- Ability to understand the firm's products, lending strategy, credit risk policies, and processes.
- Knowledge of the latest industry regulations and compliance requirements.
- Desirable
- Participation in business improvement activities.
- Support for wider processing teams and underwriting peer groups.
Qualifications and Experience
- Essential
- Experience in Bridging, Refurbishment, or Development Finance, ideally 2 years+ in a mandate-holding role (or similar) for a specialist finance provider.
- Comprehensive knowledge of the full lifecycle of a bridging loan, including managing completions.
- Experienced in preparing detailed and succinct credit rationales in support of a bridging loan.
- Familiar with working in a small, collaborative team.
- Experienced in effectively managing a pipeline of cases from end to end.
- Flexible, can-do, problem-solver attitude, skilled in finding solutions to challenges.
- Record and file management experience.
- Experience with unregulated bridging finance transactions.
- Desirable
- BTL underwriting experience.
- Experience in business improvement activities.
- Experience delivering proactive customer service through various communication channels.
- Experience in managing a portfolio of live loans.
Personal Attributes & Disposition
- Customer-Centric Mindset
- Demonstrates a strong commitment to understanding and meeting customer needs.
- Proactively seeks customer feedback to improve services and products.
- Prioritizes customer satisfaction in all decision-making processes.
- Inclusivity and Respect
- Values diversity and actively promotes an inclusive work environment.
- Treats all colleagues with respect and openness.
- Encourages collaboration and values different perspectives.
- Values open, honest, and transparent communication.
- Data-Driven and Risk-Focused
- Utilizes data to inform decisions and improve processes.
- Adheres to established procedures and guidelines.
- Maintains a strong focus on risk management and mitigation.
- Innovative and Bold Decision-Making
- Embraces new technologies and innovative solutions.
- Demonstrates a willingness to take calculated risks.
- Continuously seeks opportunities for growth and improvement.
Why Join Us?
- Company Bonus Scheme: Up to 10% in line with our policies, rewarding your hard work and dedication.
- Life Insurance: Coverage up to 4x your salary for peace of mind.
- Vitality Private Medical Insurance: Comprehensive coverage for you and your family.
- Hybrid Working: Enjoy the flexibility of working from home 3 days a week, with additional/alternative flexible arrangements considered upon request.
- Generous Leave: 25 days annual leave, 8 statutory holidays, plus 1 additional paid leave day over the Christmas period.
- Pension Scheme: Competitive contributions to secure your future.
- Fantastic Company Culture: We pride ourselves on our inclusive and supportive environment, reflected in our amazing team.
- Wellbeing Support: Access to resources and programs to support your mental and physical health.
- Professional Development: Opportunities for training and growth to help you advance your career.
- Career Progression: Clear pathways for advancement, with achievements recognized and celebrated.
About Us
At Quantum Mortgages Limited (QML), we are dedicated to revolutionizing the mortgage industry with innovative solutions and exceptional customer service. Established with a vision to simplify the mortgage process, we have grown into a trusted name in the financial sector. Our mission is to offer personalized mortgage solutions that cater to the unique needs of each client, ensuring a smooth and supportive journey from application to approval.
What Sets Us Apart
- Recognized Excellence: Recently recognized by Mortgage Introducer magazine as the overall top mortgage employer of 2025 and Buy to Let Lender of the Year.
- Specialist Lender: We specialize in providing finance to professional landlords who are underserved by high street lenders and even many existing specialist lenders.
- Personalized Service: We offer customized mortgage solutions tailored to individual needs, ensuring our clients receive the best possible support.
Join us at Quantum Mortgages Limited and be a part of a team that is shaping the future of the mortgage industry. Together, we can achieve great things.
Mortgage Underwriter (Bridging Finance) employer: Quantum Mortgages
Quantum Mortgages Limited (QML) is an excellent employer that fosters a supportive and dynamic work culture, offering a hybrid role that promotes work-life balance. Employees benefit from competitive bonuses, comprehensive training, and clear pathways for career advancement, all while being part of a team dedicated to delivering exceptional service in the mortgage industry.
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter (Bridging Finance)
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Quantum Mortgages. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Mortgage Underwriter (Bridging Finance)
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Quantum Mortgages.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Quantum Mortgages's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Quantum Mortgages
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Quantum Mortgages.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Quantum Mortgages will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Quantum Mortgages employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
