Senior Underwriter

2 weeks 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.

  • Senior Fleet Underwriter

    4 weeks ago

    Newcastle upon Tyne, United Kingdom Axa Full time

    **Description**: We have an exciting opportunity for a Senior Fleet Underwriter to join our Leeds office where you will be dealing with new business and renewals, as well as being integral to the training & coaching of colleagues. The role encompasses many opportunities to contribute to the development and success of the branch account, not just from a...

  • Trainee Underwriter

    3 weeks ago

    Newcastle upon Tyne, United Kingdom The Benefact Group Full time

    **Working hours**:35 hours per week, Monday to Friday **Duration**:Permanent **Location**: Newcastle **About the role***: We have a fantastic opportunity to join our business Lycetts Insurance Brokers in Newcastle. This position will involve supporting the underwriting manager, senior underwriter and underwriters in the management of the insurance and...

  • Trainee Underwriter

    3 weeks ago

    Newcastle upon Tyne, United Kingdom The Benefact Group Full time

    **Working hours**:35 hours per week, Monday to Friday **Duration**:Permanent **Location**:Newcastle **About the role***: We have a fantastic opportunity to join our business Lycetts Insurance Brokers in Newcastle. This position will involve supporting the underwriting manager, senior underwriter and underwriters in the management of the insurance and...

  • Assistant Underwriter

    3 weeks 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...

  • Development Underwriting Specialist

    3 weeks ago

    Newcastle Upon Tyne, United Kingdom BCT Resourcing Full time

    Development Underwriting Specialist x 2 Company Locations - Europe and the US The aim of the business is to hire 2 experienced Development/Commercial Underwriters to help grow their presence and develop their products in the UK and internationally. For these roles, we are not looking for London Market experience. Rather, we want peoplewith exposure to other...

  • Development Underwriting Specialist

    2 weeks ago

    Newcastle upon Tyne, Newcastle upon Tyne, United Kingdom BCT Resourcing Full time

    Development Underwriting Specialist x 2Company Locations - Europe and the USThe aim of the business is to hire 2 experienced Development/Commercial Underwriters to help grow their presence and develop their products in the UK and internationally. For these roles, we are not looking for London Market experience. Rather, we want peoplewith exposure to other...

  • Underwriter

    2 weeks 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...

  • Commercial Insurance Underwriter

    2 weeks ago

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

    At AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered.Building on our success, a key initiative for the future of AXA Commercial is enhancing...

  • Senior Renewals Underwriter

    2 weeks ago

    Stratford-upon-Avon, Warwickshire, United Kingdom Profound Recruitment Partners Limited Full time

    Senior Renewals Underwriter - Manchester/Hybrid (RDT223) Underwriter Key AccountabilitiesDevelop, negotiate and profitably underwrite existing business.Provide underwriting support at partner and customer sites if required.Manage individual work to deliver agreed targets, objectives and meet SLAs.Act as referral point for Underwriting team providing coaching...

  • New Business Underwriter

    2 weeks ago

    Newcastle upon Tyne, Newcastle upon Tyne, United Kingdom AXA UK Full time

    About the roleAt AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered.Building on our success, a key initiative for the future of AXA Commercial...

  • Development Underwriter

    2 weeks ago

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

    Are you ready to take your underwriting expertise to new heights? Join a globally recognised A+ rated insurer that is charting a course of strong financial performance in the UK. This innovative insurer, known for niche and specialty is seeking a Development Underwriter to champion growth and drive new business initiative in the Manchester market.BenefitsA...

  • New Business Underwriter

    3 weeks ago

    Newcastle upon Tyne, United Kingdom AXA Full time

    At AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered. Building on our success, a key initiative for the future of AXA Commercial is...

  • New Business Underwriter

    3 weeks ago

    Newcastle upon Tyne, United Kingdom AXA Full time

    At AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered. Building on our success, a key initiative for the future of AXA Commercial is...

  • New Business Underwriter

    2 weeks ago

    Newcastle upon Tyne, United Kingdom AXA UK Full time

    About the roleAt AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered.Building on our success, a key initiative for the future of AXA Commercial...

  • New Business Underwriter

    4 weeks ago

    Newcastle upon Tyne, United Kingdom AXA UK Full time

    About the role At AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered. Building on our success, a key initiative for the future of AXA...

  • New Business Underwriter

    2 weeks ago

    Newcastle upon Tyne, United Kingdom AXA UK Full time

    About the role At AXA Commercial, we support our business customers, large and small, by making it easy for them to do business with us in the way that suits them. Whether they insure with us via brokers, directly on the phone or online through comparison sites, we've got them covered. Building on our success, a key initiative for the future of AXA...

  • Underwriter

    2 weeks ago

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

    About Us:Indulge your passion for problem-solving and embrace the thrill of addressing risk head-on at Gallagher's global brokerage team. Join a family of diverse minds, united by a relentless pursuit of excellence. As part of our team, you'll be the architect of protection, safeguarding businesses and empowering their ambitions. Together, we'll build a...

  • Regional Senior Technician – Underwriting

    1 month ago

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

    Regional Senior Technician – Underwriting Be part of a National evolving Commercial Underwriting function within a reputable and stable organisation Act as one of the most senior referral points for our Regional Underwriting teams Hybrid role with 60% homeworking and 40% from our head office in Stratford upon Avon About the role Join NFU...

  • Regional Senior Technician – Underwriting

    4 weeks ago

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

    Regional Senior Technician – Underwriting Be part of a National evolving Commercial Underwriting function within a reputable and stable organisation Act as one of the most senior referral points for our Regional Underwriting teams Hybrid role with 60% homeworking and 40% from our head office in Stratford upon Avon About the role Join NFU...

  • Senior Data Engineer

    2 weeks ago

    Newcastle upon Tyne, United Kingdom Annapurna Full time

    Senior Data Engineer Location: Remote (United Kingdom)About The Company:We have partnered with a company that empowers underwriters to serve their insureds more effectively. They are using advanced data intelligence tools to rebuild the way that underwriters share and exchange risk. With a current focus on the small and medium-sized businesses that power our...