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