Black & White Bridging
Lending Manager / Underwriter
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Company Description
Black & White Bridging operates in the bridging and development loans market, providing transparent lending solutions that help clients seize investment opportunities where traditional finance may fall short. Founded in 2013 as Bath & West Finance by Martyn Smith, an experienced leader in the bridging sector, the company has grown into a trusted lender known for competitive, flexible products and strong service standards. Finance is typically secured against property or land for short-term periods, enabling projects to get underway quickly. The organization is built on traditional values of trust, transparency, and reliability, with a strong reputation for delivering clear, dependable outcomes to brokers and their clients. Black & White Bridging focuses on long-term relationships with introducers and partners, ensuring no “grey areas” in its lending processes.
Role Description
The Lending Manager / Underwriter role is a full-time, on-site position based in the Greater Bristol Area, United Kingdom. The individual in this role will assess and underwrite bridging and development loan applications, ensuring they meet the company’s risk and compliance standards while aligning with our transparent lending principles. Daily responsibilities include:
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- Reviewing financial information, property details, and security values
- Performing due diligence
- Structuring loan terms
- Making recommendations or decisions on credit proposals
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The role involves ongoing portfolio oversight, monitoring loan performance, and collaborating with internal teams, brokers, and introducers to manage cases from initial enquiry through to completion and repayment. The Lending Manager / Underwriter will also:
- Respond to customer and broker queries
- Maintain accurate records
- Contribute to process improvements that support efficient, reliable lending operations
Qualifications
- Strong foundation in Finance, with experience in Loans and bridging or property-backed lending.
- Demonstrated capability in Loan Servicing, including administration, monitoring, and repayment management.
- Experience in Portfolio Management, with the ability to assess risk, track performance, and manage multiple cases concurrently.
- Effective Customer Service skills, with a focus on clear communication and maintaining positive relationships with brokers, introducers, and clients.
- Knowledge of UK property and real estate markets, and familiarity with relevant lending regulations and compliance standards.
- High attention to detail, strong analytical and decision-making skills, and the ability to interpret financial statements and valuations.
- Proficiency in using lending and CRM systems, and in maintaining accurate digital records.
- Relevant professional experience in underwriting, credit risk, or lending; a finance or business-related qualification is advantageous.
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