Mortgage Underwriting Specialist
3 weeks ago
About Belmont Green Finance Limited
Belmont Green Finance Limited operates under the 'Vida Homeloans' brand, providing tailored mortgage solutions for both Buy to Let (BTL) and residential borrowers who may not find suitable options elsewhere. Our clientele includes a diverse range of borrowers, from BTL investors to self-employed individuals and those with multiple income streams. Our mission is to 'Help More People Find a Place to Call Home', which drives our business model and strategic approach.
We focus on assisting those who are underserved, particularly individuals with unique financial situations or borrowing requirements that mainstream lenders may overlook. By partnering exclusively with intermediaries, we leverage advanced technology alongside our dedicated underwriting expertise to address complex customer needs.
As we aspire to expand and evolve into a banking entity, we understand the significance of cultivating a robust culture strategy and actively managing its integration within our operations, alongside the behaviors that reflect our values.
Recognized as a Best Companies Top 100 mid-sized employer in the UK and a finalist at the Financial Reporter Women's Recognition Awards, we take pride in our commitment to diversity, promoting both ethnic and gender representation through our EDI initiatives.
With a balanced leadership team, we have achieved our goal of having 50% of senior management positions held by women, showcasing our dedication to inclusivity.
Our Culture
We have fostered a workplace culture centered on care, which is integral to our Vida Values. This ethos influences our daily operations, guiding how we support our customers and stakeholders.
Joining our team means becoming part of a diverse and collaborative environment where you will feel a sense of belonging and be empowered to take initiative in driving results.
We believe that a variety of backgrounds and experiences enrich our workforce, leading to better outcomes for our customers. We prioritize inclusion throughout our hiring and interview processes.
Role Overview:
The ideal candidate will possess significant experience as a manual Underwriter within the specialist mortgage sector, having held both Residential and Buy to Let lending mandates for at least two years. A strong grasp of complex lending scenarios is essential.
Successful candidates will demonstrate confidence in their decision-making abilities, possess meticulous attention to detail, and proactively manage their caseloads while striving to enhance the customer experience as effective team players.
Key Responsibilities:
- Evaluate and approve complex Residential and BTL mortgage applications while ensuring outstanding customer service.
- Independently manage a personal caseload aligned with business priorities, meeting production and quality targets.
- Adopt a proactive approach to responsible lending, considering applications that fall outside standard policies when justified.
- Ensure compliance with Consumer Duty, Financial Crime Prevention (including AML), and responsible lending practices in accordance with company policies.
- Continuously develop and maintain expertise in our mortgage products and bespoke underwriting practices, aligned with our risk appetite.
- Assist intermediary partners with their inquiries and provide support as needed.
Requirements:
- Extensive experience in manual underwriting within the specialist mortgage market, with a solid understanding of the intermediary landscape.
- Experience holding a specialist residential and BTL lending mandate for a minimum of two years (desirable mandate of £500k+).
- In-depth knowledge of complex lending types, including Portfolio Buy to Let, SPVs, New Build, Help to Buy, Contractors, Ex-Pats, Self-Employed, Credit Repair, HMOs, and MUBs.
- Awareness of regulatory frameworks and a clear understanding of Consumer Duty and responsible lending principles.
- CeMap qualification or equivalent (desirable).
- Demonstrated proactive, flexible, and collaborative work ethic.
- Proficiency in MS Office and credit risk decision systems.
Our Values
Our established values guide our organizational culture and the expected behaviors of our team members. We strive to challenge outdated practices that may lead to exclusion or customer harm. These values are central to our recruitment process and inform our approach to personal development and performance management.
At the core of our values is a commitment to our Customers, Colleagues, and Communities. We are:
Visionary - We innovate and push boundaries together as one team.
Inclusive - We appreciate each other's differences and recognize individuals for who they truly are.
Dynamic - We are adaptable and efficient, navigating complexity and never settling for mediocrity.
Authentic - We are genuine and transparent in our interactions.
Benefits
We offer a comprehensive benefits package designed to support the professional and personal needs of our employees. Further details will be provided upon inquiry.
-
Sheffield, Sheffield, United Kingdom Kensington Mortgages Full timeAbout the RoleWe are seeking an experienced Mortgage Underwriter to join our team at Kensington Mortgages. As a key member of our underwriting team, you will be responsible for manually underwriting and approving residential and buy-to-let mortgage applications in accordance with our lending policy, TCF principles, and FCA responsible lending best...
-
Sheffield, Sheffield, United Kingdom Kensington Mortgages Full timeAbout the RoleWe are seeking an experienced Mortgage Underwriter to join our team at Kensington Mortgages. As a key member of our underwriting team, you will be responsible for manually underwriting and approving residential and buy-to-let mortgage applications in accordance with our lending policy, TCF principles, and FCA responsible lending best...
-
Specialist Manual Underwriter
3 weeks ago
Sheffield, Sheffield, United Kingdom Belmont Green Finance Limited Full timeAbout UsBelmont Green Finance Limited is dedicated to providing innovative mortgage solutions through our Vida Homeloans brand, catering to both Buy to Let (BTL) and residential borrowers who often find themselves overlooked by traditional lenders. Our clientele includes a diverse range of individuals, from BTL investors to self-employed professionals and...
-
Expert Underwriter in Specialist Lending
3 weeks ago
Sheffield, Sheffield, United Kingdom Belmont Green Finance Limited Full timePosition Overview:We are seeking a qualified and experienced Underwriter to join our team at Belmont Green Finance Limited. The ideal candidate will possess a strong background in manual underwriting within the specialist mortgage sector, with at least two years of experience handling both Residential and Buy to Let lending mandates.About Belmont Green...
-
Senior Underwriter for Specialist Lending
3 weeks ago
Sheffield, Sheffield, United Kingdom Belmont Green Finance Limited Full timePosition Overview:We are seeking a qualified and experienced Underwriter to join our dynamic team at Belmont Green Finance Limited. Our mission is to provide tailored mortgage solutions for a diverse range of clients, including those who may face challenges in securing financing through traditional lenders.About Us:Belmont Green Finance Limited operates...
-
Experienced Manual Underwriter
3 weeks ago
Sheffield, Sheffield, United Kingdom Belmont Green Finance Limited Full timeAbout Belmont Green Finance LimitedBelmont Green Finance Limited is dedicated to providing innovative mortgage solutions through our Vida Homeloans brand, catering to both Buy to Let (BTL) and residential borrowers who often find themselves overlooked by traditional lenders. Our clientele includes a diverse range of individuals, from BTL investors to...
-
Mortgage and Protection Specialist
2 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeJoin Our Team as a Mortgage and Protection SpecialistAbout the RoleWe are seeking an experienced Mortgage and Protection Specialist to join our team at Just Mortgages. As a key member of our team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key ResponsibilitiesProvide expert advice to clients on mortgage...
-
Mortgage and Protection Specialist
5 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeJoin Our Team as a Mortgage and Protection SpecialistAbout the RoleWe are seeking an experienced Mortgage and Protection Specialist to join our team at Just Mortgages. As a key member of our team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key ResponsibilitiesProvide expert advice to clients on mortgage...
-
Business Development Manager
2 days ago
Sheffield, Sheffield, United Kingdom Ultimate Banking Ltd Full timeBusiness Development Manager - Mortgage Specialist Ultimate Banking Ltd Up to £50k + £5k Car Allowance Are you a passionate and experienced business development specialist, seeking a new challenge within the mortgage industry? Our company, Ultimate Banking Ltd, offers a range of financial services, providing a first-class customer experience and...
-
Business Development Manager
3 days ago
Sheffield, Sheffield, United Kingdom Ultimate Banking Ltd Full timeBusiness Development Manager - Mortgage Specialist Ultimate Banking Ltd Up to £50k + £5k Car Allowance Are you a passionate and experienced business development specialist, seeking a new challenge within the mortgage industry? Our company, Ultimate Banking Ltd, offers a range of financial services, providing a first-class customer experience and...
-
Mortgage and Protection Specialist
6 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeAbout the RoleWe are seeking an experienced Mortgage and Protection Adviser to join our team at Just Mortgages. As a key member of our team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key Responsibilities:Providing expert advice to clients on mortgage and protection productsConducting thorough needs...
-
Mortgage Processing Specialist
3 weeks ago
Sheffield, Sheffield, United Kingdom Spicerhaart Full timeMortgage Administrator - SpicerhaartWhat we offer you as a Mortgage Administrator:Competitive base salary of £22,308.00On-target earnings of £25,508.00, inclusive of bonusesComprehensive training and mentorship for your professional growthOpportunities for career advancementWeekends and public holidays offKey skills required:Ability to manage multiple...
-
Mortgage and Protection Specialist
4 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeJob Summary:We are seeking an experienced Mortgage and Protection Adviser to join our team at Just Mortgages. As a key member of our financial services team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key Responsibilities:Provide expert advice to clients on mortgage and protection productsConduct...
-
Mortgage and Protection Specialist
3 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeJob Summary:We are seeking an experienced Mortgage and Protection Adviser to join our team at Just Mortgages. As a key member of our financial services team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key Responsibilities:Provide expert advice to clients on mortgage and protection productsConduct...
-
Mortgage and Protection Specialist
11 hours ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeJob OpportunityAbout the RoleWe are seeking an experienced Mortgage and Protection Adviser to join our team at Just Mortgages. As a key member of our team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key ResponsibilitiesProvide expert advice to clients on mortgage and protection productsConduct thorough...
-
Mortgage and Protection Specialist
8 hours ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeJob OpportunityAbout the RoleWe are seeking an experienced Mortgage and Protection Adviser to join our team at Just Mortgages. As a key member of our team, you will be responsible for providing expert advice to clients on mortgage and protection products.Key ResponsibilitiesProvide expert advice to clients on mortgage and protection productsConduct thorough...
-
Mortgage and Protection Specialist
5 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeAbout the RoleWe are seeking a highly skilled and experienced Mortgage and Protection Adviser to join our team at Just Mortgages. As a key member of our team, you will be responsible for providing exceptional client care and delivering outstanding results in the mortgage and protection industry.Key ResponsibilitiesGenerate and maintain your own client...
-
Mortgage Operations Coordinator
5 days ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeAbout the RoleWe are seeking a highly organized and detail-oriented Mortgage Administrator to join our team at Just Mortgages. As a Mortgage Administrator, you will play a crucial role in ensuring the smooth operation of our mortgage processing department.Key ResponsibilitiesMaintaining RelationshipsDevelop and maintain strong relationships with mortgage...
-
Mortgage Operations Coordinator
12 hours ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeAbout the RoleWe are seeking a highly organized and detail-oriented Mortgage Administrator to join our team at Just Mortgages. As a Mortgage Administrator, you will play a crucial role in ensuring the smooth operation of our mortgage processing department.Key ResponsibilitiesMaintaining RelationshipsBuild and maintain strong relationships with mortgage...
-
Mortgage Operations Coordinator
9 hours ago
Sheffield, Sheffield, United Kingdom Just Mortgages Full timeAbout the RoleWe are seeking a highly organized and detail-oriented Mortgage Administrator to join our team at Just Mortgages. As a Mortgage Administrator, you will play a crucial role in ensuring the smooth operation of our mortgage processing department.Key ResponsibilitiesMaintaining RelationshipsBuild and maintain strong relationships with mortgage...
