Mortgage Underwriting Quality Assurance Specialist

4 days ago

Maidenhead, Windsor and Maidenhead, United Kingdom Kensington Mortgage Company Full time
About the Role

We are seeking a highly skilled and experienced Mortgage Underwriting Quality Assurance Specialist to join our team at Kensington Mortgage Company. As a key member of our underwriting team, you will play a critical role in ensuring the quality of our underwriting outcomes and adherence to our risk appetite and responsible lending principles.

Key Responsibilities
  • Quality Assurance and Control: Re-underwrite offered residential, buy-to-let mortgage, and contract variations applications in accordance with our lending policy, product matrix, TCF, and responsible lending principles, and the QA/QC quality framework.
  • Knowledge and Expertise: Maintain a detailed understanding of our lending policy, products, risk appetite, and operational processes and procedures for all mortgage originations and contract variations.
  • Collaboration and Communication: Work closely with the Lending Operations team managers and underwriters, providing timely feedback and clear and concise reports on any Quality oversight completed, and identifying trends or learning gaps, where appropriate.
  • Technical Skills Development: Support the ongoing development of technical skills and underwriting approach for underwriters through effective coaching and knowledge transfer.
  • Process Improvement: Identify improvements to the audit oversight and originations operational processes, working with team managers and other members of the business to drive efficiency and quality benefits.
  • Record Keeping and Compliance: Maintain accurate and timely records relating to all audit activities and ensure compliance with the code of Business Ethics and the prevention of financial crime.
  • Ad-hoc Projects: Undertake ad-hoc project work as directed by the Underwriting Technical Manager or Underwriting Quality Manager, and demonstrate flexibility to assist the wider business as and when required in other roles.
Requirements
  • Experience: Minimum of 5 years' new originations first-charge mortgage experience, including at least 3 years in a mandated underwriting role (minimum £250,000 approval mandate) within a specialist lender.
  • QA Experience: Experience of working in a QA role within a first-charge mortgage lender.
  • Communication and Analytical Skills: Confident communication and influencing skills, with the ability to analyse and interpret complex information and data and provide supporting commentary on business quality.
  • Industry Knowledge: Detailed understanding of the mortgage intermediary market and the end-to-end mortgage process, as well as mortgage fraud and measures/systems in place to avoid it.
  • Personal Qualities: Proactive, with strong attention to detail, flexibility, and the ability to work under own initiative but also as part of a team.
  • Regulatory Knowledge: Able to demonstrate a full understanding of TCF, responsible lending, risk layering, vulnerability indicators, and regulatory knowledge applicable to the role.
  • Time Management: Able to prioritise effectively to manage multiple tasks.
Desirable Qualifications
  • CEMAP Qualified: CEMAP qualified would be desirable.
  • Buy-to-Let Experience: Recent experience in Buy-to-let lending products, including HMOs, multi-unit properties, and Limited Company Buy-to-let, would also be desirable.

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