Our Careers

Key Responsibilities for the role of Bridging Underwriter

• Manage a pipeline of cases in a fast-paced environment dealing with high volume workflows and prioritising accordingly.
• Underwrite bridging loan applications within company lending criteria and funding partners guidelines by making quality lending decisions and articulate them fully.
• To be responsible for all underwriting queries and resolution of issues
• Be alert to the risks attributed to an application ensuring that the loan is both suitable and fit for purpose
• Recommending appropriate mitigation of risks where possible.
• Ensure that the principles of the Heads of Terms or AIP are adhered to, in full, throughout the processing of the application. Recommending alternatives where necessary as a deal progresses.
• Provide excellent customer service to internal and external customers alike.
• Follow and keep up to date with current best practice and regulatory requirements in line with company training
• Ensure communication between internal departments and with external partners is clear and concise at all times.
• Keep all internal systems up to date

Required Skills and Experience:

• Bridging or short-term lending and property related lending underwriting experience gained with a lender preferred
• Experience of underwriting regulated loans preferred
• Excellent understanding of compliance aspects of the role, MCOB, and CCA
• Detailed understanding of organised fraud and measures/systems in place to avoid it.
• Ability to adopt a pragmatic approach to underwriting ideally with a specialist lender
• Able to demonstrate you are proactive, hardworking, flexible and able to work under your own initiative but also as a team player.
• Demonstrate a full understanding of TCF, Responsible lending and regulatory knowledge applicable to the role
• Able to prioritise effectively to manage multiple underwriting functions
• Commercially aware with excellent interpersonal and communication skills
• Flexible approach to working to meet the needs of the business

Main responsibilities:

• Generating leads within our market to ensure a robust pipeline of opportunities.
• Follow up on new business opportunities and set up meetings for the divisional director
• Undertake research into specific towns prior to setting up appointments.
• Research and build relationships with new clients.
• Provide backup including answering telephone calls, texts and emails for the divisional director when brokers are seeking terms
• Ensure that data including tracking of calls, correspondence and visits are accurately entered and managed within the company’s CRM system.
• Attend and contribute to sales meetings
• Send broker packs out and follow up
• Track and record activity on accounts and help to close deals
• Submit weekly progress reports and ensure data is accurate.

What you’ll need:

• Dynamic, ambitious, business-minded professional, preferably with experience within the bridging finance sector
• 2 years of experience generating leads
• Capable of self-generating leads, and ‘opening doors’ with brokers
• Proven track record in achieving new business and selling services ideally to brokers
• Detailed knowledge of the bridging market is highly desirable.
• Commercially aware with excellent interpersonal and communication skills.
• Negotiation skills
• Independent, organised and able to work on your own initiative, with a flexible approach to work.
• Enthusiasm, drive and passion with a strong desire to ‘win’ new business.
• Good Computer skills
• Full driving Licence

Main responsibilities:

• Managing a pipeline of cases pro-actively to ensure swift completion of applications
• Liaise with brokers and clients to assist in obtaining the required documents and supporting information to expedite the completion of loan applications
• Manage expectations and deadlines whilst providing an excellent service that encourages repeat business
• Provide support to the Head of Sales London and South East including answering telephone calls and dealing with correspondence via email and via post and set up meetings
• Deal with broker queries and keep brokers up to date with the progress of their applications.
• Prepare HOT’s, AIP’s and various documentation
• Liaise with Underwriting and Credit to facilitate lending decisions
• Ensure that data including tracking of calls, correspondence and visits are accurately entered and managed within the company’s CRM system
• Attend and contribute to internal meetings
• Submit weekly progress reports and ensure data is accurate
• Obtain property information and valuation quotes
• Deal with MLA and carry out initial searches
• Ad hoc administration and projects

Requirements:

• Good Understanding of Lending / Mortgage or Secured Loan Process
• Experience in managing case load and processing applications quickly and effectively
• Commercially aware with excellent interpersonal and communication skills
• Independent, organised and able to work on your own initiative, with a flexible approach to work
• Proactive in your approach to the role and keen and confident in managing the process
• Experience dealing with a high-volume workflow and prioritising accordingly
• Excellent organisational skills
• Good PC Skills and Microsoft Office Knowledge
• Excellent written and verbal English
• Ability to multitask
• Mature outlook
• Good work ethic
• Hard working Team Player
• Previous experience in Bridging, Underwriting or lending experience is a must

Main responsibilities:

• Support the Underwriting team with undertaking searches on all new cases prior to underwrite within agreed SLA’s
• Liaise with brokers and clients to assist in obtaining the required documents and supporting information to expedite the completion of loan applications
• Provide proactive updates to brokers to keep them abreast of progress with their cases
• Manage expectations and deadlines whilst providing an excellent service that encourages repeat business
• Proactive management of cases to ensure timely completion of loans
• Update the CRM system throughout the life of the loan, ensuring all required information is captured accurately
• Ensure pipeline is updated regularly
• Instructing professional panel to act on the bank’s behalf
• Review loan facility documentation prior to issue
• Prepare files for completion by ensuring all documents saved to file and the CRM updated in a timely manner
• Complete customer KYC/due diligence
• Ensure adherence to credit policy and procedures at all times

Requirements:

• Previous Bridging experience is desirable
• Experience of working in a fast-paced environment with the ability to plan and prioritise workload
• Demonstrate a high level of attention to detail at all times
• Able to multitask and work on your own initiative, with a flexible approach to work
• Excellent Organisational skills

Alternative Bridging Corporation is an equal-opportunity employer and welcomes applicants from diverse backgrounds. We thank all applicants for their interest; however, only those selected for an interview will be contacted.