Mortgage Underwriter

**Aldermore Group - why we exist**

**Let us tell you a bit about us**

We’re Aldermore - the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.

We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

**Let us tell you a bit about the opportunity**
- To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business._

**What will your day look like?**
- Detailed knowledge of Specialist buy-to-let lending in order to interpret and asses all key factors, demonstrating comprehension for the level of risk and supporting collateral.
- Ability to underwrite manually according to both residential and buy-to-let lending policies.
- Underwrite to external scheme rules or third party requirements, such as government schemes (HTB) or high LTV product policies.
- Interpretation of mortgage market and economic factors to ensure external risk factors are understood relative to each case underwritten.
- Understanding securities and the legal process required to complete a mortgage transaction to ensure risk is moderated.
- Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts and ensure the customer is fully aware of their responsibilities under their mortgage T&Cs

**What do we expect from you?**
- Knowledge of the mortgage market - including owner occupied, private rental sectors.
- Experience of working with Intermediaries and direct customers.
- To ideally have held a lending mandate covering either owner occupied or buy to let/company lending Ability to adapt to change, deliver in a fast paced environment.
- Having a proactive approach, with a keen desire to provide excellent customer service, and delivery for our customers

**What can you expect from us?**
- A friendly and flexible culture, the same as how we work with our customers.
- A growing organisation that means there’s lots of opportunities to progress
- A drive for continuous improvement, which you will be empowered to get behind from day one.
- And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

**Still curious?**

Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.

**Please note that we have a thorough referencing process, which includes criminal record checks.**

We champion equality by supporting the exceptions to the rule and getting finance to where it’s needed.

We lend the money people save with us, to people who want to get on in life; build businesses and create employment, buy property for people to live and work in, and purchase vehicles to move families and goods around.