Senior Underwriter

5 months ago

Newcastle upon Tyne, United Kingdom Belmont Green Finance Limited Full time

About us

Belmont Green provide mortgage solutions operating through its “Vida Homeloans” brand for Buy to Let (BTL) and residential borrowers (ROO) who find themselves underserved elsewhere. Our borrowers range from Buy to Let investors, to the self-employed and customers with multiple jobs. Our business model and strategy are underpinned by our core purpose to ‘Help More People Find a Place to call Home’.


We are here to help the under-served, especially those with more nuanced personal circumstances or borrowing needs who are not able to access a mortgage from a mainstream mortgage lender. Working exclusively with intermediary partners, we combine cutting-edge technology with skilled and caring underwriting expertise to solve complex customer problems.


As a business with an aspiration to become a bank and grow over the coming years, we recognise the importance of having a clearly articulated culture strategy and the need to actively manage how it embeds in the business together with the behaviours which exemplify it.


As a recognised Best Companies Top 100 mid-sized company to work for in the UK and a finalist at the Financial Reporter Women’s Recognition Awards, we take pride in our diverse workforce, championing both ethic and gender diversity through our EDI commitments.


Having met the target set by being a member of the HM Treasury Women in Finance Charter we have 50% of senior management roles filled by women.


With offices in Egham, London, and Skipton, we bring our teams together regularly to collaborate and empower our colleagues to have more choice around when and where they work on the days they are not in the office, with colleagues working remotely in various locations across the UK.


Our Culture

We are proud to have built a culture founded on an ethos of caring, and that sits at the heart of our Vida Values, driving the way we run our business, support our customers and other stakeholders on a daily basis.


We genuinely care about delivering the right outcomes for all of our stakeholders who we consider through the cultural framework as our customers, colleagues, company and communities that we operate in.


By Joining Vida you will have a sense of belonging in what is a diverse and collaborative environment, where you will be empowered to take responsibility for driving delivery.


We embrace a diversity of backgrounds and experiences in our people, in the deeply held belief that better outcomes are achieved for customers when our colleagues are better placed to empathise with and understand their unique circumstances. From application to interview, we place inclusion at the heart of all we do.


Role Overview:

A level 5 (£750k) mandated underwriter is responsible for ensuring effective and efficient processing of all mortgage applications whilst developing successful relationship with brokers and advisors, and thereby enhancing our service throughout the customer journey.


Ensuring all financial, quality, regulatory, responsible lending and service requirements are met and maintained.


Key Responsibilities:

  • Maintaining a level 5 underwriting mandate (or above) and underwriting and decisioning mortgage applications using a holistic approach that is in line with our risk appetite, regulatory obligations, and that ensures the delivery of exceptional customer service.
  • Operating within agreed mandate to effectively utilise allowable exceptions to policy where appropriate and based on judgement and experience.
  • Review exception requests from other underwriters, approving where appropriate and providing feedback where you are unable to agree the exception.
  • Deliver operational effectiveness, achieving targets and objectives set by the business.
  • Ensure responsibilities regarding Consumer Duty, the Prevention of Financial Crime (including AML, identification and reporting of fraud), responsible lending and complaints are carried out effectively and in accordance with the Company’s policies.
  • Acquire a full understanding of our mortgage products and criteria.
  • Manage and organise caseload in line with the priorities of the business.
  • Build successful working relationships across the business, including our Credit and Sales functions.
  • Supporting the Change environment including the testing lifecycle and system development


Requirements:

  • Hold at least a £750k mandate (Level 5)
  • Extensive experience of mortgage underwriting, the mortgage intermediary market, its products, marketing approach and processes
  • Manual mortgage underwriting experience
  • Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment and demonstrable understanding of Consumer Duty, responsible lending, and regulatory knowledge
  • CeMAP qualified or industry equivalent – desirable but not essential
  • A pro-active and customer journey focused approach
  • Experience of working to operational excellence metrics
  • Able to demonstrate a proactive, hardworking, and flexible approach, and be able to work under own initiative but also a team player.
  • Proficient in MS Office, credit risk decision systems


Our Values

Our values are well established and recognised throughout our organisation. They provide a frame of reference for the behaviours expected from our colleagues every day.


We find ways to break old conventions, especially those which cause exclusion or customer harm. We look for these qualities when hiring new talent into the organisation, and they underpin our approach to personal development and performance management for all our people. At the heart of this is the fact we care about our Customers, Our Colleagues and our Communities. We are:


Visionary - We innovate and break old habits, thinking big and pushing boundaries together as one team


Inclusive - We value each other’s differences and work to see people for who they really are


Dynamic - We are flexible and fast, cutting through complexity and never accepting second best


Authentic - We are honest and genuine, what you see is what you get


Benefits

We offer a comprehensive benefits package to support our employees’ professional and personal needs. Further details can be provided upon application.

  • Trading Underwriter

    2 weeks ago

    Newcastle upon Tyne, United Kingdom Michael James Associates Full time

    My client, a start-up MGA is looking for a Senior Trading Underwriter to join their team;Experience:-Someone who would be well suited and motivated by a start-up environment.-An underwriter with Commercial Property & Casualty experience.-Someone who has experience managing a panel of brokers.-Able to trade and interact, solid communicator.-With Technical...

  • Senior Marine Underwriter

    2 months ago

    Newcastle upon Tyne, United Kingdom Aviva Full time

    Senior Marine Underwriter Competitive Salary Aviva Marine can trace its involvement in the Marine insurance market back to 1824 and is now a market leader in the cargo market with a significant share in the IUA cargo company market space and a growing share of the UK regional Marine market! We are not content to rest on our laurels and we aim to...

  • Assistant Underwriter

    5 months ago

    Newcastle upon Tyne, United Kingdom Bell & Co Recruitment Full time

    We are delighted to be working alongside an established, yet ambitious MGA who have an exciting opportunity for an Assistant Underwriter at their office in Newcastle. Backed by a large group, they are investing heavily in this office and looking to add someone to the team to support a large panel of northern based brokers with renewals and new business for...

  • Senior Underwriter

    4 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom ENGINEERINGUK Full time

    {"h1": "Senior Underwriter Role at ENGINEERINGUK", "p": "We are seeking a highly skilled Senior Underwriter to join our team at ENGINEERINGUK. As a Senior Underwriter, you will play a critical role in shaping our underwriting strategy and ensuring its effective execution across a defined customer segment. Your responsibilities will include deep dives into...

  • Senior Underwriter

    4 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom ENGINEERINGUK Full time

    {"h1": "Senior Underwriter Role at ENGINEERINGUK", "p": "We are seeking a highly skilled Senior Underwriter to join our team at ENGINEERINGUK. As a Senior Underwriter, you will play a critical role in shaping our underwriting strategy and ensuring its effective execution across a defined customer segment. Your responsibilities will include deep dives into...

  • Underwriter

    1 month ago

    Newcastle upon Tyne, United Kingdom Belmont Green Finance Limited Full time

    About usBelmont Green provide mortgage solutions operating through its “Vida Homeloans” brand for Buy to Let (BTL) and residential borrowers (ROO) who find themselves underserved elsewhere. Our borrowers range from Buy to Let investors, to the self-employed and customers with multiple jobs. Our business model and strategy are underpinned by our core...

  • Senior Marine Underwriter

    2 months ago

    Newcastle upon Tyne, Newcastle upon Tyne, United Kingdom Aviva Full time

    About the RoleWe are seeking a highly skilled Senior Marine Underwriter to join our team at Aviva Marine. As a key member of our UK regional underwriting team, you will play a crucial role in the continued success and growth of our Marine business.Key ResponsibilitiesEnsure allocated business is in line with plan requirements for all Marine business written...

  • Senior Marine Underwriter

    2 months ago

    Newcastle upon Tyne, Newcastle upon Tyne, United Kingdom Aviva Full time

    About the RoleWe are seeking a highly skilled Senior Marine Underwriter to join our team at Aviva Marine. As a key member of our UK regional underwriting team, you will play a crucial role in the continued success and growth of our Marine business.Key ResponsibilitiesEnsure allocated business is in line with plan requirements for all Marine business written...

  • Senior Insurance Underwriter

    1 month ago

    Stratford-upon-Avon, Warwickshire, United Kingdom STRIDE RESOURCE MANAGEMENT LTD Full time

    Unlock Your Potential as a Senior Commercial UnderwriterAre you ready to take your underwriting expertise to new heights with a globally recognised specialty insurer? At STRIDE RESOURCE MANAGEMENT LTD, we're seeking a talented Senior Commercial Underwriter to join our dynamic team.Key Responsibilities:Underwrite a range of existing business, leveraging your...

  • Senior Insurance Underwriter

    1 month ago

    Stratford-upon-Avon, Warwickshire, United Kingdom STRIDE RESOURCE MANAGEMENT LTD Full time

    Unlock Your Potential as a Senior Commercial UnderwriterAre you ready to take your underwriting expertise to new heights with a globally recognised specialty insurer? At STRIDE RESOURCE MANAGEMENT LTD, we're seeking a talented Senior Commercial Underwriter to join our dynamic team.Key Responsibilities:Underwrite a range of existing business, leveraging your...

  • Senior Insurance Underwriter

    3 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom STRIDE RESOURCE MANAGEMENT LTD Full time

    Are you looking for a challenging role in underwriting where you can utilize your expertise to drive business growth? STRIDE RESOURCE MANAGEMENT LTD is seeking a Senior Commercial Underwriter to join our dynamic team.This is an opportunity to work with a globally recognized specialty insurer, where your skills in property and casualty insurance underwriting...

  • Senior Commercial Underwriter

    4 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom NFU Mutual Full time

    About the RoleWe are seeking a highly skilled Senior Commercial Underwriter to join our team at NFU Mutual. As a key member of our underwriting team, you will play a critical role in shaping our underwriting strategy and ensuring its effective execution across a defined customer segment.Your primary responsibility will be to develop and refine risk appetite,...

  • Senior Construction Liability Underwriter

    4 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom Lawes Consulting Group Full time

    {"title": "Senior Construction Liability Underwriter", "overview": "We are seeking an experienced underwriter to join our team at Lawes Consulting Group. The successful candidate will be responsible for underwriting transactional risks in accordance with binder parameters laid down by our insurer partners.", "responsibilities": ["Underwriting transactional...

  • Senior Construction Liability Underwriter

    4 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom Lawes Consulting Group Full time

    {"title": "Senior Construction Liability Underwriter", "overview": "We are seeking an experienced underwriter to join our team at Lawes Consulting Group. The successful candidate will be responsible for underwriting transactional risks in accordance with binder parameters laid down by our insurer partners.", "responsibilities": ["Underwriting transactional...

  • Senior Commercial Underwriter

    3 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom NFU Mutual Full time

    About the RoleNFU Mutual is seeking a highly skilled Senior Commercial Underwriter to join our Regional Senior Technician Underwriting team. As a key member of our team, you will play a critical part in advising, training, and guiding others to ensure that our regions maintain the necessary technical knowledge and capabilities to meet objectives, Key...

  • Senior Commercial Underwriter

    2 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom NFU Mutual Full time

    Senior Commercial UnderwriterAs a pivotal member of the Regional Senior Technician Underwriting team at NFU Mutual, you will play a critical role in advising, training, and guiding Regional Underwriters to ensure they maintain the necessary technical knowledge and capabilities to meet objectives and deliver exceptional customer service.Responsibilities will...

  • Senior Construction Liability Underwriter

    3 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom Lawes Consulting Group Full time

    Job Title: Senior Construction Liability UnderwriterSalary: £60,000+Location: HomebasedOverviewAn excellent opportunity is available with our client, and we are looking for an experienced underwriter to join their team. The role involves underwriting transactional risks in accordance with the binder parameters laid down by their insurer...

  • Senior Construction Liability Underwriter

    3 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom Lawes Consulting Group Full time

    Job Title: Senior Construction Liability UnderwriterSalary: £60,000+Location: HomebasedOverviewAn excellent opportunity is available with our client, and we are looking to connect them with an experienced underwriter to join their team. The role involves underwriting transactional risks in accordance with the binder parameters laid down by their insurer...

  • Senior Construction Liability Underwriter

    3 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom Lawes Consulting Group Full time

    Job Title: Senior Construction Liability UnderwriterSalary: £60,000+Location: HomebasedOverviewAn excellent opportunity is available with our client, a leading provider of construction liability insurance solutions. We are seeking an experienced underwriter to join their team, responsible for underwriting transactional risks in accordance with binder...

  • Senior Commercial Underwriter

    1 month ago

    Stratford-upon-Avon, Warwickshire, United Kingdom NFU Mutual Full time

    About the RoleWe are seeking a highly skilled Senior Commercial Underwriter to join our team at NFU Mutual. As a key member of our underwriting team, you will play a critical role in shaping our underwriting strategy and ensuring its effective execution across a defined customer segment.Your primary responsibility will be to develop and refine risk appetite,...