BTL Underwriter

5 months ago

Harrow, United Kingdom State Bank of India UK Full time

JOB ROLE: Responsibility and underwriting of credit proposals, primarily of Buy to Let

JOB RESPONSIBILITY:

  • Underwriting portfolio landlords, SPV applications, HMO, Expat, Holiday let and standard BTL mortgage applications and good working knowledge of mortgage loan processing.
  • Highly organised and able to prioritise activities.
  • Detail-oriented with strong data analysis skills.
  • To provide support to the CCO in all operational areas of the Retail Credit Department.
  • Manage the assessment and processing of BTL cases, and the presentation of proposals to Risk Committees.
  • Manage the review, assessment, investigation, and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures.
  • Provide a clear rationale for agreeing or rejecting applications, prior to submitting to the CCO/Credit Committee
  • Ensure the credit decisions are made within regulatory standards, credit policy and adhere to TCF principles and Customer First principles.
  • Interacting with Valuation firms/Legal firms/ and external vendors e.g., BEP, LMS, Experian, Connells, to ensure successful completion the loan application.
  • MIS preparation and submission to the management as per the requirement
  • Complying with various policies of the bank like credit policy, AML/KYC Risk matrix


COMPETENCY:

  • Good communication skills, both verbal and written.
  • Knowledge of Microsoft Office products
  • Knowledge of UK regulatory framework, principles, and rules
  • Knowledge of UK lending environment
  • Having relevant experience in underwriting or assessing credit proposals in BTL.


KEY INTERACTIONS/NETWORKS

• Case Managers

• BDM’s

• Product Dept

• Compliance and Audit

• Credit Admin

• CCO /CBO

• BTL Team Leader

• Risk Department

• Co-ordination of stakeholders, both internal and external


REPORTING RELATIONSHIP

• Reports to BTL Team Lead


PERSON SPECIFICATION

• Positive attitude and ability to work under timelines and customer pressure on an efficient and friendly manner.

• Ability to work alone or as part of a team in a fast-paced environment.

• Enthusiastic and willing to accept new challenges.

• Careful and diligent with good attention to detail

• Ability to take a measured view, balancing risk management against business need.

• Ability to clearly articulate opinions and summarise complex arguments

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