Careers

Team: Underwriting

Location:
London, Hertford St/Catherine Place

Collaborate with management to ensure the profitability of insurance contracts by evaluating applicants’ eligibility for loans.

Loan Administration & Underwriting:

• Manage and underwrite personal pipeline of loans within SLAs.
• Review legal documents, valuation reports, KYC, AML, and other essential checks.
• Perform due diligence and key checks (land registry, credit checks).
• Present property loan cases to Line Manager for funding.
• Support complex loan assessments and decisions on loan terms and values.
• Identify and prevent fraud, ensuring business protection.

Communication & Relationships:

• Build and manage relationships with brokers and borrowers.
• Provide exceptional customer service and communicate effectively with external stakeholders.
• Mentor junior underwriters and administrators.
• Proactively identify new lending opportunities to meet personal targets.
• Participate in team meetings and share best practices.

Key Performance Indicators:

• High-quality loan applications and successful underwriting processes.
• Ability to manage and convert high volumes of underwriting cases.
• Excellent judgment and data quality in case files.
• Competent understanding and underwriting of deals.

• Experience in underwriting or lending, especially in bridging loans or Buy to Let Mortgages.
• Strong risk assessment and attention to detail.
• Excellent communication skills and the ability to influence key networks.
• Organizational skills to manage multiple tasks efficiently.
• Ability to work independently and as part of a team.
• Proficiency in MS Excel.

Team: Underwriting

Location:
London, Victoria/Mayfair

We are seeking a Senior Underwriter to play a pivotal part in our underwriting team. This key role involves managing the underwriting process, making high-level lending decisions, ensuring compliance, and mentoring junior team members. You will analyse complex loan applications, assess financials, credit reports, and property appraisals to ensure compliant lending practices.

• Manage a personal pipeline of high-volume, complex loans, ensuring timely and accurate underwriting within SLAs.
• Make high-level lending decisions and approve large or complex loan requests.
• Conduct thorough analysis and evaluation of loan applications, including financial documents, credit histories, and property valuations.
• Collaborate with brokers, borrowers, and other stakeholders to gather necessary information and provide updates.
• Mentor junior team members to support the team’s goals.
• Competently underwrite deals by understanding case studies thoroughly.

• Experienced in property finance underwriting or a credit-based role, specifically in bridging or buy-to-let.
• Experience managing high-volume, complex loans.
• Strong knowledge of mortgage lending principles, risk assessment, loan products, market trends, and regulatory requirements.
• Effective communication skills for clear interaction with brokers, borrowers, and stakeholders.
• Strong problem-solving abilities to identify and resolve issues in loan applications.
• Ability to thrive in a fast-paced environment, managing multiple tasks and adapting to changing priorities.

Team: Sales

Location:
London, Hertford St/Catherine Place

We are seeking a Business Development Executive (BDE) to join our successful team in London. The ideal candidate will have strong product knowledge within a similar environment and the ability to develop new business relationships. We are looking for someone with excellent interpersonal skills, a can-do attitude, and a self-starter mentality, who is committed to working hard within a growing team.

• Develop and maintain successful working relationships with introducers by generating new business through outbound calling to our existing database.
• Conduct initial assessments of bridging applications, identifying potential cases before passing them to an underwriter for full evaluation.
• Work closely with the underwriting team to ensure excellent service delivery to introducers.
• Stay updated with current best practices and regulatory requirements through company training.
• Actively reach out to existing introducers to build strong, lasting relationships and seek new business opportunities.
• Communicate with introducers, following up on pending documentation to ensure timely processing.
• Participate in departmental meetings, contributing ideas to improve processes and enhance efficiency.
• Achieve sales targets, volume, and units as agreed by the CEO, demonstrating the ability to bring in high volumes of business.

• 1 to 2 years of sales experience in mortgages or bridging loans would be preferable. Experience in the financial business development is essential
• Strong self-management skills, including drive, initiative, and flexibility, with a willingness to learn
• Ability to work confidently within a team or independently
• Proficiency in using Microsoft Office packages (Word, Excel, etc.)
• Excellent communication skills and a confident telephone manner
• Resilience and self-control in a fast-paced environment
• Results-oriented with a focus on achieving targets
• Reliable and computer literate

Team: Loan Management

Location:
London, Victoria

The Loan Portfolio Manager is responsible for managing the loans, working with other members of the loan management team to ensure that all loans are performing as expected.

• Conduct thorough audits of new loan files, meticulously reviewing and approving legal documents sourced from solicitors to maintain compliance and accuracy.
• Verify and ensure that loans meet stringent eligibility criteria, contributing to responsible lending practices and portfolio quality.
• Analyse valuation reports with precision, identifying potential defects or issues that could impact loan security, and leveraging compliance checking tools to evaluate customer suitability.
• Work closely with underwriters to facilitate smooth loan completion processes, ensuring all requirements are met for seamless transactions.
• Maintain internal compliance lists to align with regulatory standards and company policies, fostering a culture of adherence and excellence.
• Ensure full compliance with collections, redemptions, and default loans policies across the loan portfolio, safeguarding financial integrity.
• Take ownership of defaulting cases, navigating receivership or legal processes, and effectively communicating with all stakeholders involved.

• Previous experience in bridging loans, buy-to-let mortgages, or related loan spaces is highly preferred.
• Demonstrate strong organisational abilities to manage multiple loans and borrowers effectively.
• Exhibit strong analytical skills to interpret complex loan data, identify trends, and make informed decisions.
• Display excellent attention to detail, particularly in working with numerical data.
• Experience using compliance checking tools such as Experian, GBG, Smart Search, and Lexus Diligence for KYC processes is advantageous.
• Possess strong written and verbal communication skills to interact confidently with internal teams and external stakeholders.

Team: Loan Management

Location:
London, Victoria

The Senior Loan Portfolio Manager will be responsible for overseeing the loan origination and portfolio management processes, ensuring the efficient and profitable operation of our lending activities. This position requires a deep understanding of lending principles, strong leadership skills, and the ability to make sound credit decisions. The successful candidate will play a pivotal role in driving the growth and success of our lending business.

Loan Origination and Underwriting:

• Evaluate the creditworthiness of borrowers, analyzing financial statements, credit reports, and other relevant information.
• Make informed lending decisions, balancing risk and profitability considerations.

Loan Portfolio Management:

• Oversee the management and administration of the loan portfolio, ensuring compliance with internal policies and regulatory requirements.
• Monitor loan performance, review portfolio quality, and develop strategies to minimize credit risk.
• Implement strategies for loan collections and delinquency management.
• Conduct periodic portfolio reviews and make recommendations for portfolio adjustments as necessary.

Team Leadership and Development:

• Provide leadership and guidance to the loan origination and portfolio management teams.
• Set performance targets and provide ongoing coaching and feedback to team members.
• Foster a positive and collaborative team environment, promoting continuous learning and professional development.
• Participate in recruitment and selection processes to build a high-performing team.

Relationship Management:

• Cultivate and maintain relationships with borrowers, ensuring excellent customer service and addressing their financing needs.
• Collaborate with internal stakeholders, such as credit analysts, legal, and compliance teams, to facilitate efficient loan processing and closing.
• Engage with external stakeholders, such as regulators and auditors, as required.

Process Improvement and Risk Mitigation:

• Identify opportunities for process improvements and automation to enhance operational efficiency.
• Develop and implement risk mitigation strategies, including credit policies and procedures.
• Stay updated on industry trends, regulatory changes, and best practices in lending.

• Proven experience in loan origination, credit analysis, and portfolio management, preferably in a senior or leadership role.
• Strong knowledge of lending principles, credit analysis techniques, and regulatory requirements.
• Excellent analytical and problem-solving skills, with the ability to assess complex credit situations and make informed decisions.
• Demonstrated leadership abilities, with experience in managing and developing a team.
• Solid understanding of financial statements, cash flow analysis, and risk assessment.
• Strong negotiation and relationship-building skills.
• Ability to work effectively under pressure and meet deadlines in a fast-paced environment.
• Proficient in using loan management software and MS Office Suite.
• Excellent communication skills, both written and verbal, with the ability to communicate complex concepts effectively.

Team: Corporate Investor, Loan Management & Compliance Team

Location:
London, Hertford St

As a Junior Relationship Manager, you will play a pivotal role in maintaining and enhancing relationships with our valued clients. Your focus will be on engaging with existing borrowers, ensuring their needs are met promptly and efficiently, while driving client retention through outstanding customer service.

• Reconnect with former Market Financial Solutions borrowers to explore current or future lending needs.
• Actively reach out to borrowers within the portfolio to offer support and demonstrate the value we provide.
• Collaborate with loan management, collections, recoveries, legal, and analyst teams to leverage borrower data for strategic relationship management.
• Maintain detailed pipelines of future lending opportunities and completed cases to prioritize client contact.
• Serve as the primary contact for existing borrowers, addressing queries and additional borrowing needs.
• Conduct customer satisfaction surveys to continually improve our service.

• Proven experience in relationship management or customer service roles within a specialist financial services industry.
• Understanding of property finance i.e. bridging & buy-to-let mortgages.
• Strong interpersonal skills with the ability to build and maintain client relationships.
• Excellent communication skills, both written and verbal.
• High level of integrity and commitment to client satisfaction.
• Ability to work collaboratively within a team and independently.
• Proficiency in Microsoft Office Suite (Word, Excel, etc.).

Team: Loan Management

Location:
London, Victoria

The Recoveries & Collections Assistant will play a crucial role in supporting the Recoveries and Collection team in managing and mitigating the company’s loan portfolio risk. The primary responsibility of this role is to assist in the recovery of loans, liaise with borrowers, and ensure the efficient management of loans. The Recoveries & Collections Assistant will be responsible for maintaining accurate records, adhering to compliance and regulatory guidelines, and contributing to the overall success of the loan management team.

Debt Recovery Assistance:

• Work closely with the Recoveries and Collection Manager to develop and execute strategies for loan recovery.
• Contact clients through various communication channels, including telephone, email, and written correspondence.
• Negotiate repayment plans and settlements with clients in line with company policies and regulations.
• Monitor and track the progress of accounts, ensuring timely follow-ups and actions.
• Supporting the Recoveries and Collection Manager by liaising with solicitors and LPA receivers and third parties by any means necessary.

Account Management:

• Maintain accurate records of all communication and interactions with borrowers.
• Updating and providing accurate redemption statements to include any expenses incurred.
• Prepare and submit reports on loan recovery, including status updates and progress reports.
• Investigate and resolve discrepancies in borrower accounts.
• Track and report on the status of overdue accounts to management.

Customer Service:

• Provide clear and professional communication with customer regarding their outstanding debts.
• Offer guidance to customers regarding repayment options and the implications of non-payment.
• Address customer queries and disputes effectively, escalating complex cases when necessary.
• Maintain a high level of customer service when dealing with customers, aiming to achieve positive outcomes while preserving the company’s reputation.

Reporting and Documentation:

• Updating and providing accurate redemption statements to include any expenses incurred.
• Assist in analysing loan portfolio data to identify trends and areas of improvement in the loan recovery process.
• Contribute to the development of strategies to minimise loan defaults and enhance overall portfolio performance.

Compliance and Risk Management:

• Ensure strict adherence to all regulatory requirements and compliance standards related to loan recoveries.
• Assist in mitigating risk associated with delinquent accounts and minimize losses through proactive recovery efforts.

Experience:

• Previous experience in loan recoveries, collections, or a related role is advantageous.
• Strong understanding of lending processes and financial regulations.
• Minimum 2 years’ experience in recoveries role

Skills:

• Excellent communication and negotiation skills.
• Ability to work independently, prioritize tasks, and meet deadlines.
• Attention to detail and accuracy in record keeping.
• Strong problem-solving skills and the ability to think critically.
• Knowledge of legal processes related to loan recovery is a plus.
• Proficient in Microsoft Office, especially Excel.

Qualifications:

• A relevant qualification in finance, accounting, or business administration is desirable.

Personal Attributes:

• Self-motivated, proactive, and able to work independently.
• Strong interpersonal skills and the ability to work within a team environment.
• High level of integrity and professionalism.
• Ability to handle sensitive information with discretion and confidentiality.

Team: Loan Management

Location:
London, Victoria

The Recoveries & Collection Manager will play a crucial role in supporting the Head of Recoveries & Collections in managing and mitigating the company’s loan portfolio risk. The primary responsibilities are managing and supporting the recovery of outstanding loans. The Recoveries & Collections Manager, will be responsible for maintaining accurate records, liaising with borrowers, negotiating payment terms, and managing accounts in arrears and escalating issues as necessary while adhering to compliance and regulatory guidelines, and contributing to the overall success of the Recoveries and Collection team.

Debt Recovery Management:

• Monitor and manage the overdue accounts to ensure collections targets are met.
• Initiate and manage communication with borrowers, LPA Receivers, solicitors and third parties through calls, emails, to recover outstanding payments.
• Negotiate settlements with borrowers.
• Ensure that all collection activities are carried out in accordance with company policies, industry regulations, and legal requirements.

Account Management:

• Maintain accurate records of customer interactions, payments, and account statuses.
• Investigate and resolve discrepancies in borrower accounts.
• Track and report on the status of overdue accounts to management.
• Liaising with Solicitors and Receivers throughout the litigation process.

Customer Service:

• Provide clear and professional communication with borrower regarding their outstanding debts.
• Offer guidance to customers regarding repayment options and the implications of non-payment.
• Address customer queries and disputes effectively, escalating complex cases when necessary.
• Maintain a high level of customer service when dealing with borrowers, aiming to achieve positive outcomes while preserving the company’s reputation.

Reporting and Documentation:

• Updating and providing accurate redemption statements to include any expenses incurred.
• Prepare reports on recovery activities, payment progress, and aged debt analysis in order to identify trends and areas of improvement in the loan recovery process.
• Ensure proper documentation and follow-up for legal proceedings, in timely manner.
• Assist in generating regular recovery performance reports for internal stakeholders.
• Assist with legal documentation related to loan when necessary.

Process Improvement:

• Suggest improvements to recovery and collections processes to enhance efficiency and effectiveness.
• Stay up-to-date with best practices in collections and recovery, ensuring compliance with the latest regulations.

Compliance and Risk Management:

• Ensure that all collection activities comply with relevant financial, legal, and data protection regulations.
• Assist in mitigating risk associated with delinquent accounts and minimize losses through proactive recovery efforts.

Team Support and Mentorship:

• Support and mentor junior collections staff, providing guidance on challenging cases.
• Collaborate with internal teams (loan management and legal) to ensure smooth resolution of recovery cases.

Experience:

• Proven experience in collections, recoveries, or credit control, preferably in a senior or assistant manager role.
• Knowledge of credit risk management, financial regulations, and legal processes related to Collections.
• Minimum 2 years’ experience in senior recoveries role

Skills:

• Strong negotiation and communication skills, both written and verbal.
• Excellent problem-solving skills with a customer-oriented approach.
• Ability to work under pressure and meet tight deadlines.
• Attention to detail and strong organizational skills.
• Ability to analyse data and generate reports.
• Proficient in Microsoft Office, especially Excel, and experience with collections software.

Qualifications:

• A relevant qualification in finance, accounting, or business administration is desirable.
• Credit management or debt recovery certifications are an advantage.

Personal Attributes:

• Self-motivated, proactive, and able to work independently.
• Strong interpersonal skills and the ability to work within a team environment.
• High level of integrity and professionalism.
• Ability to handle sensitive information with discretion and confidentiality.