Senior Underwriter (Bridging Loans)

Job Title: Senior Underwriter (Bridging Loans) 
Working Pattern: Monday to Friday, 36.25 hours per week 
Salary: £dependent on experience and up to 20% bonus and benefits 
Location: Hybrid work from our Blackpool office (FY4 2FB) 

At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Senior Underwriter (Bridging Loans), ready to make an impact, we've got a space with your name on it! 

The Senior Bridging Underwriter will be responsible for managing unregulated Bridging/Buy-To-Let applications from underwriting through to drawdown in line with lending policies, TCF principles and other relevant regulatory requirements. They’ll work within a team to positively contribute to the delivery of departmental and business key performance objectives, along with liaising with relevant internal and external stakeholders to maintain quality relationships.  

We are Tandem - Where impact meets innovation  

Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share – all while nurturing our planet, our people and our customers. As one of Europe’s fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.  

Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. 

Your team: Collaborators in change  

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. 

We’re building an amazing team and we’re looking for a Senior Bridging Underwriter with Mortgages to support us on our journey.  

The Mortgage Division is a leading provider of specialist mortgage products in the UK intermediary market. We provide a wide range of products that satisfy the market’s demand and have a reputation for providing excellent service, building strong relationships and being experts in our field.  

Your Impact: Building a greener tomorrow  

The successful candidate will be responsible for the following: 

• Individual performance and contribution to achieve KPI’s set by the business. 
• Owning individual performance and personal development. 
• Making lending decisions in accordance within lending policies and individual mandates.  
• Recommending any cases outside of mandate to the relevant mandate holder/committee. 
• Managing broker expectations, prioritise tasks and caseload in line with agreed SLA’s. 
• Responding to all underwriting queries. 
• Approving applications for draw down of funds. 
• Adhere strictly to internal underwriting policy and regulatory requirements, including FCA, PRA, Money laundering, Prevention of Financial Crime and Data protection.  
• Effectively and professionally communicating with the introducer network, responding to enquiries in a timely manner and resolving any queries or issues. 
• Work with Senior Management team in future product development including BTL mortgages.  
• Mentor team members for underwriting bridging/Buy-to-Let applications. 
• Maintaining a good level of knowledge of the relevant industry sector.   

We’d love to hear from you if you have: 

Essential: 

• At least 3 years’ experience in a senior position, underwriting Non-regulated Bridging and Buy-to-Let applications  
• Experience in bridging refurbishment and development finance 
• Detailed understanding of the mortgage industry, regulation and legal requirements.  

We also look for: 

• Good organisational and time management skills resulting in the ability to prioritise tasks to meet tight deadlines. 
• Excellent attention to detail and a desire to provide excellent customer service. 
• The ability to positively contribute to a team. 
• The ability to self-motivate and use own initiative to achieve individual targets. 
• Exceptional written and oral communication skills. 
• Strong computer literacy including working experience on Microsoft Office.  

Rewards that reflect your value, what’s in it for you?  
At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us:   

• 25 days annual leave plus 8 days Bank Holiday   
• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc 
• Buy or sell up to 5 days holiday a year 
• Healthcare cash plan through Westfield Health worth a minimum of £750 per year 
• Electric Vehicle salary sacrifice scheme    
• Cycle to Work salary sacrifice scheme and a free helmet   
• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) 
• Smart Tech scheme (buy goods with 0% interest) 
• 10% discount on solar panels 
• Tandem Hub for treats, cash back and discounts on UK retailers    
• 2 days per year paid volunteering    
• Free cereal, snacks and drinks in all offices 
• Quarterly team social budgets  

Our Green Deal: Your Impact Amplified 

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: 

• Volunteer 2 days a year for charity > receive an early Friday finish  
• Raise £200 per annum for charity > Tandem provide PR and marketing support  
• Have renewable energy at home > receive an additional 1 day annual leave  
• Drive an electric car > receive £500 towards a home charger  

Ready to make your mark?  

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. 
 
Sourcing Model 

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. 
 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.