Complex Case Underwriter
5 days ago
Vida Bank is a specialist mortgage lender that provides innovative solutions for customers who are underserved by mainstream lenders. Our team of experts works closely with intermediary partners to deliver exceptional customer service.
We are committed to embedding our culture throughout the business, focusing on diversity, equity, and inclusion. Our values of caring, innovation, inclusivity, dynamism, and authenticity guide our approach to personal development and performance management.
The successful candidate will join a dynamic team of underwriters who are passionate about delivering complex case outcomes. With a strong understanding of residential and buy-to-let lending scenarios, they will be responsible for underwriting and decision-making, ensuring excellent customer outcomes.
Key Responsibilities:
- Underwrite and decision complex Residential and BTL mortgage applications
- Manage caseload in line with business priorities, achieving production and quality targets
- Consider mortgage applications outside of standard lending policy where justifiable business reasons exist
- Ensure responsibilities regarding Consumer Duty, Prevention of Financial Crime, and responsible lending are carried out effectively
Requirements:
- Extensive experience of specialist mortgage manual underwriting, the mortgage intermediary market, its products, marketing approach, and processes
- Held specialist residential and BTL lending mandate for minimum 2 years (£500k+ mandate desirable)
- A detailed understanding of complex Residential and BTL lending types, such as Portfolio Buy to Let, SPV's, New Build, Help to Buy/First Home Fund, Contractors, Ex-Pats, Self-Employed, Credit Repair, HMOs and MUBs and LIR
- Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment and a demonstrable understanding of Consumer Duty and responsible lending
Estimated Salary: £70,000 - £90,000 per annum
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