Mortgage Specialist

Chetwood Financial Bank is a forward-thinking financial services firm that has been challenging traditional banking practices since its inception in 2016. Our focus on creating tailored products for underserved customers sets us apart from mainstream banks.

We're a secure, stable, and well-funded bank backed by a large investor. We generate funding using retail deposits through our savings brand, SmartSave. Our team of experts is dedicated to providing innovative solutions to meet the unique needs of our customers.

A highly competitive salary is on offer, accompanied by an impressive benefits package. This includes 25 days holiday, plus your birthday off, making it the perfect opportunity for someone looking for work-life balance. Additionally, we offer pension contributions with Royal London, private medical, dental, and optical health insurance with Axa, and a hybrid working arrangement in Wrexham.

As a Mortgage Underwriter at Chetwood Financial Bank, you will be responsible for assessing risk and underwriting personal and Limited Company buy-to-let mortgage applications. You will need to adhere to rules set out within the credit framework, as well as compliance and regulatory policy and procedures.

• Analyse and interpret any documentation required (credit bureau, payslips, bank statements, accounts, mortgage statements, assets & liabilities, business plans) in order to comply with lending policy and protect our interest.
• Provide guidance to customers, brokers, and solicitors on mortgage applications, lending policy, and internal processes and procedures all within a timely manner.

A minimum of 5 years of mortgage underwriting experience is desirable. You should have a good understanding of mortgages /underwriting, up-to-date knowledge of FCA /PRA and all relevant regulatory mortgage requirements, and a flexible approach with a 'can do' attitude.