Mortgage Underwriting Quality Control Team Leader

7 months ago

Fleet, United Kingdom CHL Mortgages Full time

**Description**:
The successful Mortgage Underwriting Quality Controller Team Leader will play a vital role in the day to day credit risk management function working alongside an experienced and professional operational team to implement of a robust and effective Credit Risk framework across the business.

**Key Responsibilities**:

- Lead and Develop the Credit Risk / Mortgage Underwriting Quality Assurance team.
- Develop an enhanced working knowledge of Mortgage Underwriting Policy and Operational Processes. Lead the continuing evolution, implementation and maintenance of the Group's Credit Risk Quality Assurance Framework and related policies.
- Compile a regular catalogue of cases to audit using BI data based on varying levels of risks and complexity.
- Develop and undertake a market-leading programme of regular quality assurance reviews of the Operations Department credit underwriting standards.
- Undertake a programme of check the checker reviews to ensure department auditing standards are maintained.
- Provide feedback to Operations department on any risks identified during audits.
- Develop high quality audit reports for submission to the Executive Committee.
- Manage a monthly meeting with the Lending Operations Department to discuss general findings, the status of outstanding actions, and latest Audit findings.
- Review compliance with Group Credit Risk Policies.
- Be a point of contact for any complex cases or cases that are outside of policy and require approval.
- Lead the Credit Risk team during downtimes and ensure productivity.
- Contribute to analysis, review and comment on Portfolio performance including monitoring of anti-fraud measures and portfolio impairment.
- Review of Fraud Alerts and advise operations on whether and how to proceed.
- Monitor and report on the portfolio's compliance with risk appetite and concentration risk limits. Identify and complete deep dives on recurring risk finding on completed audits.
- Contribute towards the enhancement of credit controls to manage risk, by assisting with credit control testing programmes and attending regular meetings with the Lending Operations and Tech departments.
- Participate in reviews of the potential impact on portfolio performance and credit risk appetite of credit or macro-economic events.
- Interface with stakeholders in respect of credit oversight and governance providing assurance and technical comment where required.
- Interface with the Business Intelligence team to develop credit risk Management Information packs and analysis for commentary and upward reporting.
- Support the development and delivery of Operational teams training & competency.
- Take the lead on company projects, where credit risk analysis is required.

**Skills Knowledge and Expertise**:
You will have experience of leading a small team and you will also need prior mortgage industry experience with exposure to, or understanding of, mortgage operations and credit risk audit/underwriting, compliance, or management. CeMAP, head of an operation/department, a higher education qualification in Data Management/Analytics, and/or a previous lending mandate would be desirable. We are looking for a team player, someone with exceptional communication and analytical skills, a keen eye for detail, and strong proficiency with Excel.

**Benefits**:

- 25 days holiday per annum
- Up to 15% annual discretionary bonus based on performance
- Company pension scheme - up to 9% company contribution
- 1 x Paid charity days
- Long service awards and extra holiday
- Healthcare cash plan
- Life assurance cover x 4
- Online discounts and gym memberships
- Enhanced paternity and maternity pay
- Access to Smart Hive by Bravo Benefits giving you full access to all your benefits + additional discounts

**About CHL Mortgages**:
CHL Group provides bespoke third-party loan servicing solutions for a variety of asset classes across the UK. The CHL Group consists of 3 companies, CHL Mortgages, CHL Mortgages for Intermediaries and Landmark Mortgages. We have vast experience in the UK mortgage market encompassing a range of services. We currently service c.30,000 of mortgage assets on behalf of third-party clients and manage several standby contracts for mortgage and bridging finance clients.

Founded in 1990 CHL Group has grown to over 180 colleagues with offices in Fleet, Hampshire and Skipton, Yorkshire. We have grown to become one of the market leaders in specialist mortgages and the Buy-to-Let markets.

We are always on the lookout for talented, dedicated and motivated colleagues to drive the business forward and provide the best outcomes for our clients, investors and customers. We provide an excellent benefit package, competitive salary and excellent work environments where colleagues can learn, develop and progress

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