Senior Mortgage Underwriter

3 days ago

Watford, United Kingdom West One Loans Full time

The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.


Key Accountabilities

  • Take ownership of tasks delegated from the Team Leader such as UAT testing , product set up in fusion, update procedure documents , etc ….
  • Manage the Team in the absence of the Team Leader.
  • To assist in the training, mentoring and be a referral point to less experienced members of the team.
  • Be a referral point for broker support for queries on applications in the absence / unavailability of the Team Leader.
  • Maintain broker relationships that are integral to the growth for WOSL.
  • Promote our Team Ethic.
  • Ensure all underwriting is in line with Company policy and within regulation.
  • Underwrite large loan applications (up to £250k) and maintain a pipeline of cases.
  • Liaising with introducers, valuers and solicitors ensuring an excellent relationship is maintained.
  • Ensure that all cases are Underwritten within the Groups Risk appetite.


Skills & Competencies

  • Ability to work as part of a team.
  • Pass internal competency tests post induction.
  • High attention to detail.
  • Good written and verbal communication skills.

Knowledge & Qualifications

  • A strong understanding of FCA regulation.
  • Previous experience of managing a caseload and assessing cases for approval in a fast-paced environment
  • Experience within the secured lending sector
  • Experienced in Underwriting 2nd Charge or BTL mortgage applications.
  • CeMAP (desirable, not essential).


Personal Attributes

  • Flexible
  • Articulate
  • Well organised
  • Robust and comfortable working to deadline and under pressure

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