Hold and exercise a significant personal lending mandate across Bridging and Specialist BTL cases
Lead the end‑to‑end underwriting lifecycle for complex, time‑critical transactions
Ensure every bridging loan has a robust, credible and verified exit strategy
Assess non‑standard BTL cases including Ltd Co, HMO, MUFB and Expat structures
Lead, develop and mentor a team of underwriters, embedding commercial but prudent decision‑making
Own underwriting performance against SLAs, speed‑to‑offer and quality metrics
Act as a key member of the Credit Committee, presenting complex cases and influencing credit and risk policy
Build strong relationships with brokers, solicitors and valuation partners
Champion strong governance, regulatory compliance and excellent customer outcomes under SMCR

Proven experience in manual underwriting within Bridging and Specialist BTL lending
Deep expertise in non‑standard lending, including complex property and income structures
Proven experience operating with delegated lending authority
Strong understanding of FCA regulation across regulated and non‑regulated lending
Experience presenting cases to Credit Committees and influencing risk policy
Demonstrable ability to lead, develop and motivate a specialist underwriting team
Excellent stakeholder management skills across intermediary and professional panels

Head of Underwriting – Bridging, Specialist BTL

Key skills