Good Buy to Let underwriting is about more than numbers. It’s about understanding the deal, the property, the borrower and the opportunity.
At West One Loans, we’re looking for someone who enjoys getting into the detail, using their judgement and finding the right lending solution while keeping risk firmly in focus.
If you know Buy to Let inside out and want the autonomy to make decisions that matter, this could be your next move. Apply today and let’s grow together at West One Loans.
Key Accountabilities
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Enter and update borrower data on Fusion lending platform.
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Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
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Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
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Provide concise and accurate updates to brokers.
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Proactively chase brokers for outstanding requirements.
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Ensure all underwriting is in line with Company policy and within regulation.
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Ensure that all cases are Underwritten within the Groups Risk appetite.
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Underwrite large loan applications and complex cases whilst maintaining a pipeline of cases.
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Preparing Credit Papers to be presented to Credit Committee
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Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
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Maintaining a pipeline of cases, overseeing cases from inception through to completion.
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Maintain broker relationships that are integral to the growth for WOSL.
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All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.
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Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) checks in line with regulatory requirements and internal policies & procedures.
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Ensure compliance where applicable with AML, counter terrorist financing Proliferation financing, tax evasion, fraud, anti-bribery and corruption, sanctions, and financial crime policies & procedures
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Perform Customer Due Diligence (CDD) and supported Enhanced Due Diligence (EDD) for higher-risk cases including the identification and verification of beneficial owners (BOs), ultimate beneficial owners (UBOs) other relevant parties and corporate ownership structures and assess customer applications for potential money laundering. sanctions, bribery, fraud and other financial crime risks
Skills & Competencies
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Pass internal competency tests post induction.
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Attention to detail.
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Ability to work as part of a team.
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Good written and verbal communication skills.
Knowledge & Qualifications
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A strong understanding of FCA regulation.
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Experience underwriting mortgage applications, specifically within the BTL market.
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CeMAP (desirable, not essential).
Personal Attributes
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Flexible.
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Articulate.
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Well organised.
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Robust and comfortable working to deadline and under pressure.
Why Join Us?
At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.
Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.
If you’re ready to build your career with a Specialist Lender and make an impact - click apply today!
Contact Details:
Enra Specialist Finance Careers Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Buy to Let Underwriter - Bespoke in Watford
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Enra Specialist Finance Careers). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Enra Specialist Finance Careers. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Enra Specialist Finance Careers.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Enra Specialist Finance Careers. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Enra Specialist Finance Careers
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Enra Specialist Finance Careers to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Enra Specialist Finance Careers, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Enra Specialist Finance Careers's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
