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Mortgage Underwriter

2 months ago

Glasgow, United Kingdom LiveMore Capital Full time

**Overview**

Thousands of people, whether they're 50 or in their 90s, can afford a mortgage to live the life they deserve. But when it comes to lending to them, high-street banks often don't recognise their wealth of life experience.

LiveMore, creates mortgages designed for life from 50 to 90+ and we like to say yes, so our customers. don’t have to miss out on the goals of extra retirement income, a second home, gifts to children or home improvements. We can also help by customers who are on high monthly payments, are forced to sell, downsize or rent. Whether our customers are working, enjoying their retirement or a bit of both, our mission is simple: we are a solution-led lender to enable our customers to keep living the life they love.

LiveMore is an innovative company; our ultimate goal is to become the main household name for later-life lending, and we know that our people are the key to achieving this goal.

**The Role**

At LiveMore, we care passionately about our customers. As an Underwriter, you are customer
- centric, well organised and have an excellent attention to detail. We pride ourselves on delivering exceptional customer service in a timely manner.

**Responsibilities**
- Having the ability to make sound discretionary lending decisions within an agreed risk appetite and Lending Policy.
- Exercising discretion on cases outside of standard lending policy.
- Obtain and retain a lending mandate.
- Working closely with our clients and third-party partners such as our Intermediaries, Valuers, Solicitors and building strong working relationships
- Working closely with internal stakeholders of the business such as Sales, Finance, and all other departments
- Demonstrating the ability to coherently and accurately summarise information regarding lending and property issues and make risk
- based recommendations and/or decisions.
- Ensuring all documents are assessed in line with internal manuals, policies, procedures, and criteria.
- Remaining compliant with all applicable regulatory guidelines.
- Answering internal and external customer queries, with the key objective of first-time resolution.
- Meeting key performance indicators and service levels by working to agreed objectives and deliverables.
- Identifying potential issues and suggesting suitable solutions or process improvements.

**Experience**
- Good knowledge of secured lending and property related matters with an ability to interpret and communicate lending policy.
- Customer service experience.
- An understanding of the current regulatory landscape in respect of data protection, Money Laundering and treating customers fairly.
- Have strong organisation skills with an ability to work to SLA’s and be able to prioritise and manage your own workload.
- Meticulous attention to detail.

**Values and behaviours**
- Customer-centric
- Self-motivated and driven to achieve results first time around.
- Takes a problem-solving, can-do approach.
- Can adapt quickly and effectively to change and display resilience.

**Benefits**
- Bonus
- Growth shares
- 30 days’ holiday, plus bank holidays
- Health cash plan
- Salary sacrifice pension scheme, with an employee contribution of 5% and employer contribution of 3%
- Employee assistance programme

**Job Types**: Full-time, Permanent

Pay: £30,000.00-£35,000.00 per year

**Benefits**:

- Additional leave
- Company events
- Company pension
- Employee stock ownership plan
- Referral programme
- Work from home

Schedule:

- Monday to Friday
- No weekends

Supplemental pay types:

- Bonus scheme

Work authorisation:

- United Kingdom (required)

Work Location: Hybrid remote in Glasgow

Expected start date: 17/06/2024