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Senior Underwriter for Bridging Loans at Ascot Bridging Finance

Working as part of an established and successful team you will be responsible for underwriting approved development and bridging loan applications within company lending criteria and personal mandate. Ensuring that the principles of the DIP are adhered to, in full, throughout the processing of the application.

Key Responsibilities

Successfully assess and underwrite loan applications in line with credit policy.
Creation and maintenance of professional and open relationships with business providers.
Identification of incomplete or contradictory information received and successful resolution of risk and/or issue.
Recommends loans to the Underwriting Director and Credit Team where they fall outside of the lending mandate held.
Does so with clarity and good judgment.
Participates in and contributes to departmental meetings including making suggestions.
Possible coaching a team of Underwriters.
Participates in and contributes to departmental meetings including making suggestions to improve processes or (where applicable) amend policy.
Demonstrates a full understanding of the regulation as it affects loans and keeps abreast of potential/actual changes.
Accurately assess the risk attributed to the application ensuring that the loan is both suitable and fit for purpose.
Identify any potentially fraudulent activity and escalate any compliance concerns.

Skills & Experience

Minimum 2 years of underwriting to include holding a lending mandate, ideally in Bridging Loans or Development Finance.
Hands-on knowledge of loan processing systems.
Knowledge of regulation as it affects bridging loans and proven ability to implement those principles throughout the underwriting process.
Understanding and awareness of GDPR and legislative requirements.
Excellent communication skills.
Team Player.

Benefits of working with us

3 pm Friday Finish
32 Days Annual Leave Including Bank Holidays
Your Birthday Off
Free Parking on site
Company Pension
Winter and Summer Team Events

Underwriter for Bridging Loans

You will be joining a highly experienced bridging and development team, dedicated to placing the customer at the heart of everything we do. In this role, you will oversee the entire customer journey, from application through to redemption.

Your responsibilities will include delivering exceptional service by working closely with internal departments and directors. You will make fair and responsible credit decisions promptly and diligently based on customer information. We take pride in our speed, accuracy, service, and proactive attitude.

You will collaborate seamlessly with the BDM team to identify the best solutions and ensure smooth progression for each case. This teamwork is crucial to maintaining the high standards of service and outcomes we are known for.

Essential

Excellent analytical skills
Ability to structure transactions based on market sector, asset, and security
Able to problem-solve
To utilise skills and knowledge to determine ways in which an application would be acceptable for lending
Strong attention to detail with excellent numeracy and ability to identify risks at an early stage
Excellent written and verbal communication skills
Creative thinker and willing to work in an agile growing company
To remain calm under pressure and work to strict deadlines
Strong customer service, planning, organisational, and time management skills
Ability to deal with multiple priorities and meet deadlines
12 months of underwriting experience

Desirable

End-to-end process experience would be an advantage, dealing with the process from drawing up the initial terms through to redemption
Experienced in presenting to & influencing at the director level
CeMAP Qualified or willing to work towards

Benefits

3 pm Friday Finish
32 Days Annual Leave Including Bank Holidays
Your Birthday Off
Free Parking on site
Company Pension
Winter and Summer Team Events

Essential

CeMAP qualification or industry equivalent
Demonstrable track record of success and knowledge within financial services, specialising in mortgage and protection advice.
Excellent understanding of your local market movement, activities, and competitors.
Enthusiasm to learn and continuously develop your knowledge and skills.
Passionate about the company you work for and your team to really embed our values and processes.
Advisers must be personable, easy to work with and share the company ethos of treating customers fairly and always offering an excellent service.
A hunger to earn. A drive to work hard and reap the rewards from your dedication.
Ability to communicate with others in a professional and helpful manner both face to face and on the telephone.
Good standard of English grammar, spelling and takes pride in presentation of work.
Dedication, loyalty, diligence, and efficiency. Punctual with a tidy manner.

Desirable

Access to proven and current lead sources.
Have a minimum of 24 months of mortgage and protection advising experience within a whole of market brokerage.
Proven use of mortgage-specific software.
Full driving licence.
Experience in advising on a range of products including residential, BTL, commercial, and bridging.

Benefits of working with us

3 pm Friday Finish
32 Days Annual Leave Including Bank Holidays
Your Birthday Off
Free Parking on site
Company Pension
Winter and Summer Team Events

Mortgage and Protection Adviser at Ascot Mortgages

You will be joining an experienced team of mortgage and protection advisers who pride themselves in first-class customer service, drive, and high-quality industry knowledge and experience.

You will receive full support and have access to a whole market mortgage panel, exclusive mortgage products, and excellent insurance providers. You will be responsible for reviewing the mortgage and protection requirements across a wide range of clients, providing research on the market, and identifying suitable products.

We specialise in Bridging Finance for Property Owners and Investors across the UK.

While we are not actively seeking new candidates at the moment, we are always interested in connecting with talented individuals who share our passion for excellence in the finance industry.

Think You’re a Perfect Fit?

If you believe you have the skills and enthusiasm to contribute to our team, we would love to hear from you.

Please send your CV to us via button below:

Why Work with Us?

Joining Ascot Bridging Finance means becoming part of a friendly and professional environment where your growth and well-being are prioritised.

Here are some of the benefits you can enjoy as part of our team:

3 pm Friday Finish
32 Days Annual Leave Including Bank Holidays
Your Birthday Off
Free Parking on Site
Company Pension
Winter and Summer Team Events

We look forward to potentially welcoming you to our team and exploring how your skills and experiences can contribute to our ongoing success.