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- Tasks: Assess and underwrite loan applications while ensuring service excellence.
- Company: Join a leading provider of specialist mortgages and property finance in the UK.
- Benefits: Enjoy a competitive salary, continuous learning, and a collaborative work environment.
- Why this job: Be part of a dynamic team making a real impact in the property finance sector.
- Qualifications: Experience in underwriting BTL mortgage applications and knowledge of FCA regulations required.
- Other info: CeMAP qualification is desirable but not essential.
Job Title: Mortgage Underwriter Buy-to-Let (BTL)
Location: Watford
Salary: £45,000 – £55,000
About Us:
This company is a leading provider of specialist mortgages and property finance, supporting homeowners, landlords, and property investors in achieving their financial goals. With a strong presence in the UK market, they continue to grow and expand our services. They are looking for an experienced and detail-oriented Mortgage Underwriter to join our Buy-to-Let team.
Role Overview:
As a Mortgage Underwriter, you will be responsible for assessing and underwriting loan applications in line with our lending criteria and policies. You will work with a range of stakeholders, ensuring that all mortgage applications are processed efficiently, maintaining high standards of service excellence. Your role will include reviewing loan documentation, conducting checks on applicants and properties, managing a pipeline of applications, and liaising with introducers, valuers, and solicitors throughout the process.
Key Responsibilities:
- Underwrite and assess loan documentation, including valuation reports, and request additional information from brokers as needed, raising any concerns.
- Perform checks on applicants and properties to ensure their suitability for the requested loan.
- Actively manage a pipeline of mortgage applications, following up on outstanding information from third parties, and providing regular updates to introducers.
- Recommend and escalate cases to the Credit Committee for approval when required.
- Communicate and collaborate with introducers, valuers, and solicitors.
- Oversee each case from inception to completion, ensuring all necessary actions are completed on time.
Skills & Competencies:
- Strong attention to detail and ability to spot potential issues.
- Ability to work efficiently as part of a team.
- Excellent written and verbal communication skills.
- Ability to pass internal competency tests after induction.
Knowledge & Qualifications:
- A solid understanding of FCA regulations.
- Experience underwriting mortgage applications, specifically within the Buy-to-Let (BTL) market.
- CeMAP qualification (desirable but not essential).
Personal Attributes:
- Flexible and adaptable to changing circumstances.
- Articulate with strong communication skills.
- Well-organized with the ability to manage multiple tasks simultaneously.
- Able to work under pressure and meet deadlines.
Why Join?
- Competitive salary and benefits package.
- Opportunity to work with a growing, dynamic team.
- Continuous learning and development opportunities.
- A collaborative work environment focused on service excellence.
If you’re an experienced Mortgage Underwriter with a strong understanding of the Buy-to-Let market, we want to hear from you. Apply now and take the next step in your career!
BTL Underwriter employer: Integro Partners
Contact Detail:
Integro Partners Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land BTL Underwriter
✨Tip Number 1
Familiarize yourself with the latest FCA regulations and guidelines related to Buy-to-Let mortgages. This knowledge will not only help you in your role but also demonstrate your commitment to compliance during the interview process.
✨Tip Number 2
Network with professionals in the mortgage underwriting field, especially those who specialize in Buy-to-Let. Engaging with industry peers can provide valuable insights and potentially lead to referrals for job opportunities.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your previous experience that highlight your attention to detail and problem-solving skills. Being able to articulate how you've successfully managed complex applications will set you apart.
✨Tip Number 4
Showcase your ability to work under pressure by sharing experiences where you met tight deadlines while maintaining high standards. This is crucial in the fast-paced environment of mortgage underwriting.
We think you need these skills to ace BTL Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in underwriting mortgage applications, especially in the Buy-to-Let market. Use specific examples that demonstrate your attention to detail and ability to manage multiple tasks.
Craft a Strong Cover Letter: Write a cover letter that clearly outlines your understanding of FCA regulations and your experience with loan documentation. Mention your communication skills and how you can contribute to the team’s service excellence.
Showcase Relevant Skills: In your application, emphasize your ability to work under pressure and meet deadlines. Provide examples of how you've successfully managed a pipeline of applications in previous roles.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any errors. Clear and professional communication is key, so ensure everything is well-organized and free of mistakes.
How to prepare for a job interview at Integro Partners
✨Show Your Attention to Detail
As a Mortgage Underwriter, attention to detail is crucial. Be prepared to discuss specific examples from your past experience where your meticulousness helped identify potential issues in loan applications.
✨Demonstrate Your Knowledge of FCA Regulations
Make sure you brush up on FCA regulations relevant to the Buy-to-Let market. Being able to articulate your understanding during the interview will show that you're well-prepared and knowledgeable about the industry.
✨Highlight Your Communication Skills
Since the role involves liaising with various stakeholders, emphasize your communication skills. Share instances where effective communication led to successful outcomes in your previous roles.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving abilities. Think of situations where you had to manage multiple tasks under pressure and how you ensured timely completion of mortgage applications.
