Bridging Finance Mortgage Underwriter

Quantum Mortgages Limited; Bletchley; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A financial service provider in Bletchley seeks a Bridging Finance Mortgage Underwriter to review loan applications and manage cases from inception to completion. The ideal candidate will possess over 2 years of experience in finance and demonstrate excellent analytical skills. This role offers a hybrid working model, a supportive culture, and significant opportunities for professional development.

Benefits

Company Bonus Scheme

Life Insurance

Private Medical Insurance

Generous Leave

Pension Scheme

Professional Development

Wellbeing Support

Qualifications

• 2+ years experience in a mandate-holding role for a specialist finance provider.
• Comprehensive knowledge of the lifecycle of a bridging loan.
• Experience in business improvement activities.

Responsibilities

• Review and underwrite new bridging loan applications.
• Manage a pipeline of cases diligently and efficiently.
• Provide balanced credit rationale supporting approvals.

Skills

Strong analytical and decision-making skills

Excellent communication skills

Adaptability and flexibility

Organisational skills

Ability to work under pressure

Education

Experience in Bridging, Refurbishment, or Development Finance

Job description

Bridging Finance Mortgage Underwriter at Quantum Mortgages

Responsibilities

• 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.
• Ensure a high level of accuracy of data entry and ongoing record keeping.
• Act as an active team member with a can‑do attitude, able to prioritise tasks in a fast‑paced environment.
• 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.
• Assist with new enquiries from introducers to provide heads of terms.

What we’re looking for – Skills and Competencies

• 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.
• Participation in business improvement activities.
• Support for wider processing teams and underwriting peer groups.

Qualifications and Experience

• 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.
• 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: 23 days annual leave, 8 statutory holidays, plus 2 additional paid leave days 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 recognised and celebrated.

Apply

To apply, please visit the careers page on our company website: Quantum Mortgages Careers

About Us

At Quantum Mortgages Limited (QML), we are dedicated to revolutionising 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 personalised 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

• Recognised Excellence: Recently recognised by Mortgage Introducer magazine as the overall top mortgage employer of 2023 and Buy to Let Lender of the Year.
• Specialist Lender: We specialise in providing finance to professional landlords who are underserved by high‑street lenders and even many existing specialist lenders.
• Personalised Service: We offer customised 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.