Account Underwriter

4 weeks ago


Watford, Hertfordshire, United Kingdom West One Loans Full time
Job Title: Account Underwriter

We are seeking a skilled Account Underwriter to join our team at West One Loans. As an Account Underwriter, you will play a crucial role in ensuring that loan applications are thoroughly assessed and underwritten in accordance with our lending criteria, policies, and procedures.

Key Responsibilities:
  1. Conduct thorough assessments of loan documentation, including valuation reports, and request additional information from brokers as needed.
  2. Ensure that all aspects of our underwriting criteria are met for each mortgage application.
  3. Proactively manage a pipeline of mortgage applications, chasing outstanding information from third parties and providing timely updates to introducers.
  4. Recommend and refer cases to Credit Committee where credit committee approval is required.
  5. Ensure that all underwriting is in line with Company policy and within regulation.
  6. Ensure that all cases are underwritten within the Group's risk appetite.
  7. Maintain strong relationships with brokers that are integral to the growth of West One Loans.
  8. Liaise with introducers, valuers, and solicitors to ensure seamless communication.
  9. Oversee cases from inception through to completion.
Requirements:
  1. Attention to detail and ability to work as part of a team.
  2. Good written and verbal communication skills.
  3. An understanding of FCA regulation and experience in underwriting mortgage applications.
  4. CeMAP (desirable, not essential).
What We Offer:
  1. Company pension.
  2. Private dental insurance.
  3. Private medical insurance.
Working Hours:
  1. Monday to Friday.
Work Location:

In person.


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