Credit Risk Assessment Professional
1 month ago
Role Summary
We are seeking a highly skilled Credit Risk Assessment Professional to join our team. As a key member of our team, you will play a vital role in supporting all areas of the business, from criteria, property queries, title issues, tracing customers, and Suspicious Activity Reports to fraud.
About Our Company
We are a Buy-to-Let specialist lender that has been leading the way since 2014. Our office space features prayer rooms, breastfeeding rooms, and quiet spaces, ensuring that every individual has a comfortable and inclusive environment.
Key Responsibilities
- 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.
What We Offer
This role comes with an estimated annual salary of £55,000 - £65,000 depending on experience. Additionally, you can 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
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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