Underwriter (FTC)

3 months ago


Harrow Greater London, United Kingdom State Bank of India UK Full time

Underwriting portfolio landlords, SPV applications, HMO, Expat, Holiday let and standard BTL mortgage applications and good working knowledge of mortgage loan processing.
Detail-oriented with strong data analysis skills.
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.
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., Complying with various policies of the bank like credit policy, AML/KYC Risk matrix

Knowledge of Microsoft Office products
Knowledge of UK regulatory framework, principles, and rules
Having relevant experience in underwriting or assessing credit proposals in BTL.

KEY INTERACTIONS/NETWORKS
• Risk Department
• Ability to work alone or as part of a team in a fast-paced environment.
• Ability to take a measured view, balancing risk management against business need.


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