Financial Underwriting Expert
2 months ago
Job Description
The successful candidate will provide vital support to all areas of the business, from criteria, property queries, title issues, tracing customers, and Suspicious Activity Reports to fraud.
About Our Company Culture
We are a Buy-to-Let specialist lender that has been leading the way since 2014. Our company values diversity and inclusion, and we strive to create a comfortable and welcoming environment for all employees.
Key Responsibilities and Tasks
- Maintain and update the lending policy by researching and recommending policy changes.
- Develop and maintain cooperative relationships between all internal stakeholders, including Underwriting and Sales teams, and investigate all referrals professionally.
- Work Fraud systems such as CIFAS, SIRA & Hunter to mitigate potential losses.
- Investigate suspicious alerts identified by fraud prevention systems.
- Carry out Broker reviews, liaising with sales before removal of a Broker.
- Prepare Management Reports, ensuring they are prepared in time for Exco or Credit Committee meetings.
Benefits and Compensation
This role comes with an estimated annual salary of £52,000 - £62,000 depending on experience. In addition to your salary, you can also expect:
- 25 days annual leave plus bank holidays.
- Holiday purchase scheme.
- Extra day off on your birthday.
- Private Medical Insurance through AXA Health.
- 11% non-contributory pension scheme with the option to salary sacrifice.
- Enhanced Maternity, Paternity and Adoption pay.
- Life Assurance.
- Income Protection.
- Employee Assistant Programme.
- Extensive Learning and Development opportunities.
- 2 days paid volunteering each year.
- Electrical Vehicle Salary Sacrifice Scheme.
Requirements and Skills
To be considered for this role, you should have:
- Experience working within the mortgage industry with a strong mortgage underwriting background, preferably with at least 5 years of underwriting experience and having currently or previously held a mandate.
- Ability to exercise good commercial and professional judgment.
- Effective communication skills both written and verbal.
- Good attention to detail.
- Adaptive to ongoing change.
- PC literate with a knowledge of Microsoft Office products.
- Enthusiastic, flexible, and keen to learn and develop a career.
- Knowledge of CIFAS & SIRA systems would be beneficial but not essential.
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