Specialist Manual Underwriter

3 weeks ago

Sheffield, Sheffield, United Kingdom Belmont Green Finance Limited Full time

About Us

Belmont 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 those with multiple income streams.

Our mission is clear: to Help More People Find a Place to Call Home. We focus on assisting those with unique financial situations or borrowing requirements that may not align with mainstream mortgage offerings. By collaborating exclusively with intermediary partners, we leverage advanced technology alongside our expert underwriting team to navigate complex customer challenges.

Our Culture

We pride ourselves on fostering a culture rooted in care, which is integral to our Vida Values. This ethos shapes our daily operations, guiding how we support our customers and stakeholders alike. We are committed to delivering positive outcomes for all, including our customers, colleagues, company, and the communities we serve.

Joining Vida means becoming part of a diverse and collaborative environment where you will feel a sense of belonging and be empowered to take ownership of your contributions.

We believe that a variety of backgrounds and experiences enrich our team, enabling us to better understand and empathize with our customers' unique circumstances. Inclusion is at the core of our hiring and operational practices.

Role Overview:

The ideal candidate will possess substantial 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 deep understanding of intricate lending scenarios is essential.

Successful candidates will demonstrate confidence in their decision-making, possess keen attention to detail, and proactively manage their caseloads while striving to enhance the customer experience. Team collaboration is also a key aspect of this role.

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, achieving production and quality targets.
  • Adopt a proactive approach to responsible lending, considering applications that may fall outside standard policies when justified.
  • Ensure compliance with Consumer Duty, Financial Crime Prevention, and responsible lending policies.
  • Maintain up-to-date knowledge of our mortgage products and bespoke underwriting practices in line 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 and familiarity with intermediary products and processes.
  • Minimum of two years holding a specialist residential and BTL lending mandate (desirable for £500k+ mandates).
  • Comprehensive understanding of complex lending types, including Portfolio Buy to Let, SPVs, New Build, Help to Buy, and others.
  • Knowledge of the regulated financial services environment and an understanding of Consumer Duty and responsible lending practices.
  • CeMap qualification or equivalent is preferred.
  • Demonstrated proactive, hardworking, and flexible work ethic, along with strong teamwork skills.
  • Proficiency in MS Office and credit risk decision systems.

Our Values

Our values are well established and recognized throughout our organization, serving as a guide for expected behaviors. We prioritize breaking down barriers that lead to exclusion or customer harm, and we seek these qualities in our new hires. Our core commitment is to care for our Customers, Colleagues, and Communities.

Benefits

We offer a comprehensive benefits package designed to support the professional and personal needs of our employees. Further details can be provided upon application.

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