Mortgage Underwriter Specialist

1 week ago

London, Greater London, United Kingdom Belmont Green Finance Limited Full time

About Us

Belmont Green Finance Limited provides mortgage solutions through its Vida Homeloans brand, catering to underserved borrowers in the Buy to Let and residential markets. Our customers include Buy to Let investors, self-employed individuals, and those with complex borrowing needs.

We strive to help those who are often overlooked by mainstream lenders. By combining cutting-edge technology with skilled underwriting expertise, we aim to provide innovative solutions for complex customer problems.

As a business with growth aspirations, we recognize the importance of a clear culture strategy and its embedding in our operations. We take pride in our diverse workforce, championing ethnic and gender diversity through our EDI commitments.

We have made significant progress in achieving our Women in Finance Charter goals, with 50% of senior management roles held by women.

Our teams are based in Egham, London, and Skipton, and we prioritize collaboration and flexibility, allowing colleagues to work remotely and choose their work schedule.

Our Culture

We have built a culture founded on caring, which drives our business operations, customer support, and stakeholder engagement. We genuinely care about delivering the right outcomes for our customers, colleagues, company, and communities.

By joining Belmont Green Finance Limited, you will become part of a diverse and collaborative environment where you will be empowered to take responsibility and drive delivery.

We value diversity of backgrounds and experiences, believing that better outcomes are achieved when colleagues can empathize with and understand unique customer circumstances. From application to interview, we prioritize inclusion in all our processes.

Role Overview

The successful candidate will be a suitably qualified and experienced manual Underwriter with a strong understanding of complex specialist lending scenarios. They will be confident in their decision-making, have excellent attention to detail, and be proactive in managing applications.

Key Responsibilities

  • Underwrite and decide complex Residential and BTL mortgage applications while ensuring exceptional customer service
  • Self-manage their caseload in line with business priorities, achieving production and quality targets, and annual objectives
  • Have a 'can do' approach to responsible lending decision-making, considering mortgage applications outside of standard lending policy where a justifiable business reason exists
  • Ensure responsibilities regarding Consumer Duty, Prevention of Financial Crime, and responsible lending are carried out effectively and in accordance with the Company's policies
  • Develop and maintain knowledge of our mortgage products and bespoke underwriting approach, aligned to Vida's risk appetite, products, and criteria
  • Support intermediary partners with their queries

Requirements

  • Extensive experience of specialist mortgage manual underwriting, the mortgage intermediary market, its products, marketing approach, and processes
  • Held a specialist residential and BTL lending mandate for a minimum of 2 years (£500k+ mandate desirable)
  • A detailed understanding of complex Residential and BTL lending types, such as Portfolio Buy to Let, SPVs, 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
  • CeMap qualified or industry equivalent (desirable)
  • Able to demonstrate a proactive, hardworking, and flexible attitude to work and be a team player
  • Proficient in MS Office, credit risk decision systems

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