BTL Underwriter

About the Role:

We are seeking a highly motivated and detail-oriented BTL (Buy-to-Let) Underwriter to join our dynamic team. The successful candidate will play a crucial role in assessing BTL mortgage applications, ensuring that risks are accurately evaluated, and decisions are made in accordance with our company policies and regulatory requirements.

Key Responsibilities:

• Application Analysis: Review and analyze various documents and data received from intermediaries to determine applicant eligibility for the BTL product.

• Risk Assessment: Accurately assess the risks associated with each BTL application, liaising with brokers and valuers to ensure a comprehensive understanding.

• Policy Management: Maintain detailed and accurate records of underwritten policies, ensuring all documentation is compliant with regulatory standards.

• Communication: Collaborate effectively with brokers, valuers, and other stakeholders to facilitate accurate risk assessments and maintain strong working relationships.

• Decision Making: Use your initiative to determine the wording of Special Conditions in offers and release the final Mortgage Offer to approved applicants.

• Compliance: Adhere strictly to compliance and internal procedures, ensuring all underwriting decisions align with company policies.

• Team Collaboration: Work independently when necessary but also contribute as a vital member of the team to achieve departmental goals.

• SLA Maintenance: Ensure all service level agreements (SLAs) are met, delivering timely and accurate underwriting decisions.

Key Skills and Experience:

• Strong ability to use initiative, working independently and as part of a team.

• Excellent communication skills, both written and verbal.

• Proven experience in building and maintaining good working relationships with brokers and other parties.

• Solid understanding of BTL mortgage products, underwriting processes, and risk assessment. (min 3 years)

• Attention to detail and the ability to maintain accurate records and documentation.

Why Join Us?

We offer a collaborative and supportive work environment where your contributions are valued. We provide opportunities for professional growth and development, as well as competitive compensation and benefits.