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Commercial Underwriter
2 months ago
{"h1": "Underwriter Role at Atom Bank", "p": "At Atom Bank, we're looking for a skilled Underwriter to join our team. As an Underwriter, you'll play a crucial role in assessing residential mortgage and business banking secured loan applications, ensuring they meet our policy guidelines and risk appetite. Your excellent communication skills will help you build strong relationships with stakeholders, both internal and external, across multiple channels.", "ul": [{"li": "Review and underwrite new business lending applications, further advances, account reviews & loan modifications in line with our lending criteria, procedures & controls."}, {"li": "Deliver balanced lending decisions in line with your mandated authority."}, {"li": "Use your relationship building skills to communicate with various stakeholders, including customers, intermediaries, and related 3rd parties."}, {"li": "Work effectively with colleagues from within the underwriting, risk, mortgages and other teams to improve credit quality and minimize decision appeals."}], "h2": "Key Responsibilities", "ul": [{"li": "Operate within own personal lending mandate(s) and refer over mandate cases to appropriate mandate holders, or present to Credit Committee as required."}, {"li": "Ensure that all correspondence is in line with lending policy and provide enough evidence to satisfy KYC, KYB and AML requirements."}, {"li": "Ensure that all applications are complete, with full rationale for your lending decision documented on the lending system."}, {"li": "Ensure personal and team KPIs are met (including decision quality, customer satisfaction, regulatory compliance, and continuous improvement).", "li": "Act fairly, reasonably and with integrity in all dealings with customers, intermediaries, Valuers, and related 3rd parties."}], "h3": "What We Need from You", "ul": [{"li": "Strong experience in Commercial Lending as an Underwriter or Relationship Manager."}, {"li": "Held a commercial lending mandate with experience in seeking delegated authority to approve applications when outside lending policy."}, {"li": "Full understanding of the principles of Responsible Lending, Conduct Risk, TCF and FCA thematic reviews."}, {"li": "Detailed understanding of KYC, KYB, AML and compliance related rules and regulations, mortgage fraud and the measures/systems in place to avoid it."}, {"li": "A good understanding of the intermediated lending market"}, {"li": "Knowledge of credit bureau data and its interpretation."}, {"li": "Familiar with, and able to apply, relevant lending law and practice."}, {"li": "Strong verbal and written communication skills"}, {"li": "Strong stakeholder management skills"}], "h4": "What's in it for You", "ul": [{"li": "Salary range £39,750 - £44,732"}, {"li": "Flexible Hybrid working"}, {"li": "4-day work week"}, {"li": "Annual Share Option - performance-related "}, {"li": "Incredibly generous company pension scheme (maximum of 13% of Atom input - you can put in more) "}, {"li": "'All About Me' fund: £200 per year to spend on personal development. "}, {"li": "22.5 days annual leave plus public holidays"}, {"li": "Private Medical Insurance, Health Cash Plan & Life Insurance"}, {"li": "Enhanced Parental Leave"}, {"li": "Electric Vehicle Scheme"}]
