The Role:

* This role is overseeing the bridging lending process following handover from the BD Team, assessing credit worthiness and the project viability through to drawdown, deal completion.

* Recommendation to underwrite loans against agreed lending criteria.

* You will be required to be alert to the risks attributed to an application ensuring that both the loan is suitable and fit for purpose.

* Ensuring that the correct and completed documentation has been received.

* Prepare detailed underwriting documentation/credit paper for review by the Directors.

* You and your team will be responsible for all underwriting queries and resolution of issues, recommending appropriate mitigation of risks where possible.

* Support our existing and new client base, whilst liaising with internal departments (legal and finance) and external parties (Surveyors, Quantity Surveyors, Solicitors) to effectively manage the lending process.

* Your role will require you to arrange quotes, and to formally instruct valuations, solicitors and site inspections and where necessary, visit a customer on site to assess any unusual cases or specific risks.

* Confirming inspections are booked, and reports are received within agreed timescales, ensuring that you highlight any concerns or issues as you underwrite.

* Maintain and record accurate information to ensure that our borrowers/client information is always up to date and correct including loans underwritten, assessment process and rationale.

* Build and maintain effective relationships with all stakeholders both internal and external ensuring that they are informed as to the loan progress.

* Prepare reports for internal meetings, and potentially external stakeholders.

* Review draft loan agreements for accuracy and provide our external solicitors with guidance around specific deal related risks which can be used by solicitors to form additional clauses where required.

* Manage a current team of three individuals who are responsible for the day to day loan management and underwriting.

The Requirements:

* At least 5 years of previous underwriting experience at management level within a bank or another property bridging lender.

* Strong understanding of the property lending market.

* Experience of working within the commercial and residential property markets.

* You will have excellent communication skills (Written and Verbal) along with the ability to confidently present to internal and external stakeholders.

* Whilst managing a small team you will be required to work pro-actively to achieve business objectives and be skilled at capturing and recording important information for underwriting purposes and tracking reports.

* Train and develop the loan management/underwriting team in the art of effective underwriting, assessing company accounts and looking for risks to mitigate within each deal.

* Have a strong understanding of the banking appetite within the challenger and high street banking markets so we can identify potential exit routes for clients.

* Able to organise, manage your time effectively, whilst prioritising your workload to meet deadlines within a fast-paced environment.

* Highly proficient in the use of Excel spreadsheets and Microsoft Office

* Strong customer service skills.

* There will be a requirement to grow the team of underwriters. The candidate should be able to identify, assess and recruit in line with the Company's growth strategy.

* We are seeking someone with a high degree of accuracy and attention to detail.

The Benefits:

28 days annual leave inc bank holidays

Annual company related bonus (Discretionary)

Car parking

40 hours per week

Opportunity for career progression and growth

Team socials

Modern offices