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 draw down, 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 time scales, 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