Underwriter

**_Feel like being part of _**

This role will be based in our **Wilmslow** office however, you will be able to work a blend of both home and office each week. You’ll be made to feel part of your new team by your Line Manager, and colleagues through regular contact and virtual interaction.

**What would 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
- 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 of 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.
- A communicative, accessible and approachable ExCo.
- And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

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

We’re a nimble and ambitious financial services specialist. Backing people to go for it in life and business..

We’re UK-based supporting our customers across a range of products and services. Aldermore Group was formed by bringing together two very successful businesses, Aldermore Bank and MotoNovo Finance, under the First Rand umbrella.

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.

**#backingyoutobringyourbest**

**Aldermore is an equal opportunities employer**.
- We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR._