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For Companies At a Glance
- Tasks: Manage mortgage applications from start to finish, ensuring accuracy and compliance.
- Company: Join West One, a leading player in the mortgage industry, known for innovation and growth.
- Benefits: Enjoy flexible working options and a supportive team environment.
- Why this job: Be part of a dynamic team that values relationships and personal development.
- Qualifications: Experience in underwriting is preferred; CeMAP certification is a bonus.
- Other info: Ideal for detail-oriented individuals who thrive under pressure.
The predicted salary is between 36000 - 60000 £ per year.
Overview
West One is looking for an Underwriter to join our 1st Charge Mortgages team. The primary responsibility of the role is to take ownership of allocated cases from inception through to completion.
Key Accountabilities
- Enter and update borrower data on Fusion lending platform.
- Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
- Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
- Provide concise and accurate updates to brokers.
- Proactively chase brokers for outstanding requirements.
- Ensure all underwriting is in line with Company policy and within regulation.
- Ensure that all cases are Underwritten within the Groups Risk appetite.
- Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
- Maintain a pipeline of cases, overseeing cases from inception through to completion.
- Maintain broker relationships that are integral to the growth for WOSL.
- All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.
Skills & Competencies
- Good written and verbal communication skills.
- Ability to work as part of a team.
- Pass internal competency tests post induction.
- High attention to detail.
Knowledge & Qualifications
- CeMAP (desirable, not essential).
- An understanding of FCA regulation.
- Experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
Personal Attributes
- Robust and comfortable working to deadline and under pressure.
- Flexible.
- Articulate.
- Well organised.
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Underwriter - 1st Charge Mortgages employer: Enra Specialist Finance
Contact Detail:
Enra Specialist Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter - 1st Charge Mortgages
✨Tip Number 1
Familiarise yourself with the Fusion lending platform, as it's crucial for the role. Understanding how to navigate and utilise this system will give you a significant advantage during the interview process.
✨Tip Number 2
Brush up on your knowledge of FCA regulations and underwriting criteria. Being able to discuss these topics confidently will demonstrate your expertise and commitment to compliance in the mortgage industry.
✨Tip Number 3
Network with professionals in the mortgage sector, especially those who work with brokers and solicitors. Building relationships can provide valuable insights and potentially lead to referrals or recommendations.
✨Tip Number 4
Prepare to showcase your attention to detail and organisational skills during the interview. Consider examples from your past experiences where you've successfully managed multiple cases or met tight deadlines.
We think you need these skills to ace Underwriter - 1st Charge Mortgages
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of an Underwriter in the 1st Charge Mortgages team. Familiarise yourself with the key accountabilities mentioned in the job description to tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasise any previous experience you have in underwriting, particularly with 1st and/or 2nd Charge mortgage applications. Mention specific examples that demonstrate your attention to detail and ability to work under pressure.
Showcase Communication Skills: Since good written and verbal communication skills are essential for this role, ensure your application reflects these abilities. Use clear and concise language, and consider including examples of how you've effectively communicated with brokers or clients in the past.
Tailor Your Cover Letter: Craft a personalised cover letter that addresses why you want to work for West One and how your skills align with their needs. Mention your understanding of FCA regulations and your commitment to maintaining strong relationships with brokers and third-party suppliers.
How to prepare for a job interview at Enra Specialist Finance
✨Know Your Underwriting Guidelines
Familiarise yourself with the underwriting guidelines specific to 1st Charge Mortgages. Be prepared to discuss how you would assess mortgage applications and ensure they meet these criteria during the interview.
✨Demonstrate Attention to Detail
Highlight your ability to maintain accuracy when entering and updating borrower data. Provide examples from your past experience where your attention to detail made a significant difference in the outcome of a case.
✨Showcase Communication Skills
Since good written and verbal communication skills are essential, practice articulating your thoughts clearly. Be ready to explain how you would provide updates to brokers and maintain relationships with third-party suppliers.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving abilities under pressure. Prepare scenarios where you had to manage multiple cases or deadlines, demonstrating your organisational skills and flexibility.
