Mortgage Underwriter

**About Chetwood Financial Bank**:
We are a digital, forward thinking fintech Bank using the best technology to help make our customers financially better off. We focus on creating distinctive and disruptive financial products for underserved segments of the market. We are experts within the intermediary market specialising in Loans and Savings as well as buy to let mortgages. Our tech platform is designed to make buy to let mortgages smarter, faster and simpler for brokers and landlords. We have secured strategic investment from Elliott Advisors of over £150mil of capital, underpinning the planned growth of the business over the next few years.

**What you'll be doing?**

**Role Purpose**

**Responsibilities**
- Structure, negotiate, and analyse proposals for approval under own authority.
- Analyse and interpret any documentation required (credit bureau, payslips, bank statements, accounts, mortgage statements, assets & liabilities, business plans) in order to comply with lending policy and protect our interest. Approve loans within specified lending mandates.
- Demonstrate strong analytical skills that aid effective decision-making, good problem-solving skills, and a “can do” attitude.
- Demonstrate excellent communication skills and the ability to communicate decisions to management, brokers, and customers via all mediums and within published SLAs.
- Have a good understanding of all regulatory requirements relating to both personal and Limited Company mortgages.
- To provide effective support to the business and our customers

**Skills and experience**
- A minimum of 5 years of mortgage underwriting experience is desirable
- Working in a similar fast-paced environment in an underwriter role
- Ability to prioritise tasks and manage time effectively, working on own initiative and as part of a team in order to meet SLAs and deadlines
- A good understanding of mortgages /underwriting
- Good IT skills
- Excellent verbal and written communication skills; able to remain calm under pressure
- Up-to-date knowledge of FCA /PRA and all relevant regulatory mortgage requirements
- Excellent organisational skills
- Attention to detail
- Flexible approach and “can do” attitude

**Chetwood Benefits**:

- Competitive salary
- 25 days holiday PLUS your BIRTHDAY off
- Pension contribution with Royal London
- Life Assurance
- Private medical, dental and optical health insurance with Axa
- Hybrid working - Wrexham or Central London
- Free breakfast available

**Data Protection**

We anticipate that we will retain your data as part of the recruitment process for no longer than is necessary for the purpose for which it was collected unless we have sought your consent to keep your data for future suitable job vacancies. Chetwood Financial Ltd does not accept speculative or unsolicited CVs from Recruitment Agencies.

Any unsolicited CVs received will be treated as the property of Chetwood Financial and Terms & Conditions associated with the use of such CVs will be considered null and void.