Head of Underwriting

Head of Underwriting

Bridging and BTL Mortgages

Hampshire / Hybrid

Up to £120k

We are working with a Hampshire based lender, who are looking for a Head of Underwriting, to join the growing business.

What you'll deliver

• 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

What you'll bring

We're looking for a confident, credible underwriting manager/leader who thrives in a fast-paced specialist lending environment:

• 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

Benefits

• Competitive salary
• Performance bonus (based on individual and company performance)
• Generous contributory pension
• Life Assurance
• 28 days' holiday + option to buy/sell 5 days
• Additional paid volunteering day
• Private healthcare
• Gym discounts
• Season ticket travel loans (if applicable)
• A supportive, inclusive culture where your work has real impact