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- Tasks: Assess and manage short-term property finance applications with a focus on bridging and refurbishment loans.
- Company: Join a dynamic team in a remote-friendly environment with a strong focus on employee well-being.
- Benefits: Enjoy 25 days annual leave, health perks, and fun team events like BBQs and parties.
- Why this job: Make a real impact in property finance while developing your skills in a supportive setting.
- Qualifications: Minimum two years' experience in underwriting bridging or refurbishment loans required.
- Other info: Great career growth opportunities and a vibrant workplace culture await you!
The predicted salary is between 42000 - 58000 £ per year.
Location: Remote
Salary: Up to 50,000 per annum (depending on experience)
Hours: Monday to Friday, 9 am to 5:30 pm
Benefits:
- 25 days annual leave, plus bank holidays; increasing by 1 day per year worked, up to a maximum of 30 days
- Option to buy/sell up to 3 days' holiday
- Death in Service at 4 x salary (from day one of employment)
- 5-year, 10-year and 15-year excellent service awards
- Car parking (limited onsite or, if offsite, cost of parking refunded)
- Employee Assistance Programme
- Active charity support (non-mandatory)
- Monthly mindfulness sessions
- Complimentary Christmas/summer parties/Team evenings and social events
- Company BBQs on HQ sun terrace
- Daily fruit bowl, healthy snacks, and coffee machine/tea
- Paddleboards for free hire/Office table tennis
- Workplace pension scheme
About the Role:
As a Bridging and Refurbishment Underwriter, you will be responsible for assessing, structuring, and managing short-term property finance applications, underwriting bridging and refurbishment loans in line with the company's credit policy, lending criteria, and risk appetite. Candidates should have proven experience in bridging and/or refurbishment lending, with a minimum of two years' underwriting experience within specialist property finance preferred.
Responsibilities:
- Review and underwrite bridging and refurbishment finance applications from initial enquiry through to completion.
- Conduct full risk assessments, including borrower background checks, asset analysis, exit strategy, credit history, and AML compliance.
- Analyse and assess valuation reports, contractor quotes, cost schedules, and development appraisals to ensure project viability.
- Liaise with solicitors, brokers, valuers, borrowers, and internal teams to progress applications efficiently and accurately.
- Work closely with surveyors and asset managers to assess the feasibility of refurbishment projects and monitor works.
- Identify, assess, and mitigate risks relating to borrowers, property, legal, or market exposure.
- Present complex cases with clarity to credit or risk committees, making lending recommendations within delegated authority.
- Ensure adherence to internal policies, underwriting standards, and AML requirements.
- Maintain accurate and timely records within internal systems, ensuring effective audit trails.
- Support continuous improvement by providing feedback on lending criteria, operational processes, and risk management.
Experience required:
- Minimum of 2 years' experience underwriting short-term bridging loans and/or refurbishment finance.
- Strong understanding of property valuations, legal conveyancing, and development/refurbishment cost assessments.
- Good working knowledge of AML, KYC, and due diligence practices.
- Commercial acumen with the ability to assess deals beyond standard "tick-box" underwriting.
- Proficient in interpreting financial statements, credit reports, and legal documentation.
For more information regarding the role, please contact us.
Bridging Underwriter employer: Stellar Select
Contact Detail:
Stellar Select Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Bridging Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the property finance sector and let them know you're on the lookout for a Bridging Underwriter role. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of bridging and refurbishment lending. Be ready to discuss your experience with risk assessments and how you've tackled complex cases in the past. Confidence is key, so practice makes perfect!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for openings at StudySmarter, where we value innovation and teamwork. Tailor your approach to show why you’d be a great fit!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. Mention something specific from your conversation to show your genuine interest in the role and the company.
We think you need these skills to ace Bridging Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Bridging Underwriter role. Highlight your experience in underwriting and property finance, and don’t forget to mention any specific skills that match the job description.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for the role. Mention your relevant experience and how it aligns with our company’s values and goals.
Showcase Your Achievements: When detailing your experience, focus on your achievements rather than just responsibilities. Use numbers and examples to demonstrate how you’ve successfully assessed and managed finance applications in the past.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at Stellar Select
✨Know Your Numbers
As a Bridging Underwriter, you'll need to be comfortable with financial statements and credit reports. Brush up on your numerical skills and be ready to discuss how you assess deals beyond the standard 'tick-box' underwriting. This will show that you understand the intricacies of the role.
✨Research the Company
Familiarise yourself with the company's credit policy, lending criteria, and risk appetite. Understanding their approach to bridging and refurbishment loans will help you tailor your answers and demonstrate that you're a good fit for their team.
✨Prepare for Scenario Questions
Expect to face scenario-based questions where you'll need to present complex cases clearly. Think about past experiences where you've had to assess risks or make lending recommendations, and be ready to explain your thought process during the interview.
✨Show Your Team Spirit
Collaboration is key in this role, so be prepared to discuss how you've worked with solicitors, brokers, and internal teams in the past. Highlight any experiences where you’ve contributed to improving processes or provided feedback on lending criteria to showcase your proactive attitude.