Underwriting Team Manager
Bridging Finance
London- HYBRID
We are currently working with a fast-growing lender, that is looking for a Senior Bridging Underwriter to join their friendly, multi-award-winning team.
The Sales and Underwriting teams are currently expanding to ensure the business can grow and continue to deliver exceptional service.
Your main responsibility will be to work within the Underwriting team to ensure effective risk management and seamless drawdown of funds to borrowers.
Responsibilities:
* Management of underwriting team to ensure delivery of business objectives in an efficient manner. To include regular coaching and feedback sessions, objective and target setting, driving efficiency and consistency across the team
* Development and implementation of underwriting processes
* Ensuring all underwriting is completed in a competent and compliant manner
* Ensure all underwriting decisioning is carried out in accordance with the company’s credit risk appetite
* Reviewing and assessing each case to ensure risks presented have been appropriately assessed and mitigated (where required)
* Examine the commercial viability of each application
* Oversee the underwriting of all loans up to disbursement
* Delegate applications for underwriting appropriately and proportionately
* Undertake review of all applications, including, credit reports, assessing wealth, valuation, insurance and ROT
* Undertake final check of checklist, rationales and AML form
* Support drive towards automation and building a business for scale.
* Responsible for final credit sign-off of each application
* Assisting with internal and external projects as it relates to the business (when required)
Key skills / Experience:
* Analytical and methodical thinking
* Ability to take ownership
* Successful task management, to deliver high quality service
* Previous underwriting experience within Financial Services (Ideally bridging finance)
* Ability to communicate at all levels
* A can-do attitude
* A flexible approach to work
* A confident communicator
* Self-motivation