BTL Underwriter

1 week ago

Harrow, United Kingdom State Bank of India UK Full time
Job Description

JOB ROLE: As a Credit Risk Specialist at State Bank of India UK, you will be responsible for the underwriting of credit proposals, primarily for Buy to Let mortgage applications.

JOB RESPONSIBILITY:

  • Assess and underwrite portfolio landlords, SPV applications, HMO, Expat, Holiday let and standard BTL mortgage applications.
  • Develop and maintain a good working knowledge of mortgage loan processing.
  • Manage the assessment and processing of BTL cases, and the presentation of proposals to Risk Committees.
  • Review, assess, investigate, and minimise credit risks associated with loan applications in accordance with the Bank's operating policies and procedures.
  • Provide clear rationale for agreeing or rejecting applications, prior to submitting to the CCO/Credit Committee.
  • Ensure credit decisions are made within regulatory standards, credit policy and adhere to TCF principles and Customer First principles.
  • Interact with Valuation firms/Legal firms/ and external vendors to ensure successful completion of the loan application.
  • Prepare and submit MIS reports to management as per the requirement.
  • Comply with various policies of the bank like credit policy, AML/KYC Risk matrix.

COMPETENCY:

  • Good communication skills, both verbal and written.
  • Knowledge of Microsoft Office products.
  • Knowledge of UK regulatory framework, principles, and rules.
  • Knowledge of UK lending environment.
  • Relevant experience in underwriting or assessing credit proposals in BTL.

KEY INTERACTIONS/NETWORKS

Case Managers, BDM's, Product Dept, Compliance and Audit, Credit Admin, CCO /CBO, BTL Team Leader, Risk Department, Co-ordination of stakeholders, both internal and external.

REPORTING RELATIONSHIP

Reports to BTL Team Lead.

PERSON SPECIFICATION

Positive attitude and ability to work under timelines and customer pressure on an efficient and friendly manner. Ability to work alone or as part of a team in a fast-paced environment. Enthusiastic and willing to accept new challenges. Careful and diligent with good attention to detail. Ability to take a measured view, balancing risk management against business need. Ability to clearly articulate opinions and summarise complex arguments.

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