Underwriter

Gatehouse Bank Underwriter

Role purpose

The purpose of this role is to underwrite and process all new home finance applications from receipt of application through to offer. Manage conversations and communications with brokers and internal colleagues effectively to ensure overall positive customer experience. The incumbent will be required to ensure service levels are maintained whilst being mindful of the Credit Risk Governance frameworks in operation within the Bank, such as KYC (Know Your Customer) and Fraud Awareness.

About us

Founded in 2007, we are a challenger bank that operates in accordance with Shariah principles, with offices in London, Milton Keynes and Wilmslow. We're one of the fastest growing banks of our kind in the UK and are a subsidiary of Gatehouse Financial Group Limited.

We offer personal and corporate savings products and finance for UK residential and commercial property, in addition to sourcing and advising on UK real estate investments.

Our way of operating is stable, transparent, and shares risk and reward in an equitable way. That's why we talk about balanced banking.

Key responsibilities:

• Assess and Underwrite: Evaluate new business cases within Credit Policy and KYC guidelines, aiming for pragmatic approvals to bolster the Bank's reputation as a Specialist Financer.
• Offer Alternatives: Propose viable options to approve cases rather than outright declines, while adhering to Credit Policy and KYC governance. Communicate decline decisions clearly and promptly to maintain good broker/customer relations.
• Finance Rationale: Create well-structured and documented Finance rationales covering both credit and CDD (KYC/AML) in line with policies, mitigating potential risks.
• Efficiency: Process cases efficiently, following established procedures to meet internal and external Service Level Agreements.
• Positive Attitude: Exhibit a "Can Do" attitude with brokers and colleagues, supporting the Bank in delivering outstanding service and achieving external recognition.

Key Skills required:

• Credit Referencing report understanding
• RICS Valuation
• Application Scoring
• Risk awareness
• Regulatory standards awareness - MCOB (Mortgage Conduct of Business Regulation)
• Influencing skills (negotiation, persuasion, leadership)
• Stakeholder Management

Additional Details:

• We offer highly attractive reward package; the typical benefits include:
• 25 days holiday entitlement increasing with service
• Pension Plan
• Private Medical Insurance
• Dental Cover
• Income Protection
• Life Assurance
• Employee Referral Bonus

Gatehouse Bank is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, gender reassignment, religion or belief, marital status, or pregnancy and maternity.

Please be advised that we have an appointed recruitment partner, The Curve Group, to manage our recruitment process and give candidates the best possible experience in pursuing a career with Gatehouse Bank. The personal details you have shared with us may be processed by The Curve Group on behalf of Gatehouse Bank. Full details of their Privacy Policy can be viewed by using this link (url removed)>