Mortgage Underwriting Quality Assurance Specialist

4 weeks ago

London, Greater London, United Kingdom Kensington Mortgages Full time
About the Role

We are seeking a highly skilled and experienced Mortgage Underwriting Quality Assurance Specialist to join our team at Kensington Mortgages. As a key member of our underwriting team, you will be responsible for ensuring the quality of our underwriting outcomes and adherence to pre and post offer activities across all new lending originations and contract variations.

The successful candidate will have a minimum of 5 years' experience in new originations first charge mortgage experience, including at least 3 years in a mandated underwriting role within a specialist lender. They will also have experience of working in a QA role within a first charge mortgage lender and be confident in their ability to analyse and interpret complex information and data.

The ideal candidate will be able to demonstrate a full understanding of TCF, responsible lending, risk layering, vulnerability indicators and regulatory knowledge applicable to the role. They will also be able to prioritise effectively to manage multiple tasks and work under own initiative but also as part of a team.

Key Responsibilities
  • Re-underwrite offered residential, buy to let mortgage and contract variations applications in accordance with the lending policy, Product matrix, TCF and responsible lending principles and the QA / QC quality framework.
  • Maintain a detailed understanding of lending policy, products, risk appetite and operational processes and procedures for all mortgage originations and contract variations.
  • Work closely with the Lending Operations team managers and underwriters, providing timely feedback and clear and concise reports on any Quality oversight completed, and identifying trends or learning gaps, where appropriate.
  • Support the ongoing development of technical skills and underwriting approach for underwriters through effective coaching and knowledge transfer.
  • Identify improvements to the audit oversight and originations operational processes, working with team managers and other members of the business to drive efficiency and quality benefits.
  • Maintain accurate and timely records relating to all audit activities.
  • Support third party audit reviews where required, investigating any challenges raised and providing detailed and accurate information as required.
  • Comply with the code of Business Ethics and ensure your responsibilities regarding the prevention of financial crime (including money laundering identification and reporting of Fraud) are carried out effectively and in accordance with the Company's internal policies.
  • Proactively keep up to date with human resource policy, risk policies, external legislation, funding constraints, product criteria and underwriting criteria changes to ensure prudent underwriting.
  • Adhere to the service standards and quality goals as agreed within the monthly underwriting oversight programme.
  • Undertake ad-hoc project work as directed by Underwriting Technical manager or Underwriting Quality Manager. Flexibility to assist the wider business as and when required in other roles.
Requirements
  • Minimum of 5 years new originations first charge mortgage experience, including at least 3 years in a mandated underwriting role (minimum £250000 approval mandate) within a specialist lender.
  • Experience of working in a QA role within a first charge mortgage lender.
  • Confident communication and influencing skills.
  • Ability to analyse and interpret complex information and data and providing supporting commentary on business quality.
  • To act with integrity and always embrace Kensington values.
  • Detailed understanding of the mortgage intermediary market and the end-to-end mortgage process.
  • Detailed understanding of mortgage fraud and measures / systems in place to avoid it.
  • Able to demonstrate that they are proactive, have strong attention to detail, are flexible, and able to work under own initiative but also as part of a team.
  • Able to demonstrate a full understanding of TCF, responsible lending, risk layering, vulnerability indicators and regulatory knowledge applicable to the role.
  • Able to prioritise effectively to manage multiple tasks.
Desirable Skills
  • CEMAP qualified would be desirable.
  • Recent experience in Buy to let lending products including HMOs, multi-unit properties and Limited Company Buy to let would also be desirable.

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