Experienced Btl Mortgage Underwriter

2 months ago

Woking, United Kingdom Step One Finance Limited Full time

**Opportunity Description**

An exciting position has become available for a full-time experienced buy-to-let mortgage underwriter based in Woking, Surrey.

Step One Finance Limited is a rapidly growing specialist consumer lender about to embark on its next big growth phase. This role will play a pivotal role in that new growth.

**Purpose**

Reporting to the Head of Lending, to provide a first class underwriting service for new BTL mortgages within Step One. Packaged Applications and Decision in Principle enquiries are to be underwritten in accordance with lending policy and price plans, FCA responsible lending practices, TCF principles and appropriate service standards.

**Main Responsibilities**
- Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company’s policies and procedures and TCF principles
- Ensure the accuracy of customer and loan related data that is captured within the underwriting forms, documents and internal systems.
- Establish and maintain effective working relationships with key 3rd party business partners. These include all intermediary partners, solicitors and valuation panel managers.
- Ensure that all mandatory training is undertaken.
- Achieve satisfactory performance levels in all KPI’s to maintain/achieve underwriting mandate.
- Provide support to the Head of Lending and more senior team members as required including policy and procedure enhancements and recommendations for cases outside of policy for further review.
- Approving cases with individual mandate levels.
- Maintain an up to date market awareness of both lenders and intermediaries working in the second charge space as well as the regulatory rules and guidance for the market.

**Desirable Skills/Qualifications**
- BTL mortgage underwriting experience in a lending organisation
- Ideally CeMAP qualified

**Personal Attributes**
- Strong team player who is committed, conscientious and hardworking.
- Strong attention to detail.
- ‘Can do’ attitude, flexible and solutions orientated.
- Confident and clear communicator.
- Open, honest, reliable and with integrity.
- Must pay due regard to the interests of customers and treat them fairly.

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

**Salary**: £35,000.00-£48,000.00 per year

**Benefits**:

- Casual dress
- Company pension
- Cycle to work scheme
- On-site parking
- Private medical insurance
- Referral programme

Schedule:

- Monday to Friday

Supplemental pay types:

- Performance bonus

Ability to commute/relocate:

- Woking GU21 6DJ: reliably commute or plan to relocate before starting work (required)

**Experience**:

- Mortgage Underwriting: 5 years (required)

Work Location: In person

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