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For Companies At a Glance
- Tasks: Join our team to underwrite Buy to Let mortgage applications and manage a fast-paced pipeline.
- Company: KSEYE Group is a growing lender in the Bridging Sector, expanding into Buy to Let mortgages.
- Benefits: Enjoy private medical insurance, cycle to work scheme, bonuses, and fun team socials.
- Other info: We value diversity and are committed to equal opportunities for all applicants.
- Why this job: Be part of an exciting growth phase, develop your skills, and make impactful lending decisions.
- Qualifications: Experience in unregulated lending and property underwriting is essential; strong communication skills required.
The predicted salary is between 36000 - 60000 £ per year.
Job Type: Full Time (hybrid)
The Company
KSEYE Group is an established lender in the Bridging Sector.The company is experiencing an exciting growth period and will expand its lending into the Buy to Let mortgage arena soon.To support this new lending, we are seeking experienced Underwriters to join the Underwriting Team. If you are ready for a new challenge, enjoy working as part of a team in a developing business, can work to tight deadlines and have strong organisational, communication and relationship management skills then we want to hear from you.
Responsibilities
- Manually underwrite BTL, HMO, Multi-Unit Freehold Block, etc., applications within company lending criteria by employing logical thinking, a focus on quality and clear lending decisioning.
- Carrying out Know Your Customer (KYC) verification checks while identifying the risks attributed to the loan application including fraud and money laundering.
- Communicating directly with introducers and applicants to discuss the decisions and seek further information/ evidence.
- Manage a pipeline of cases in a fast-paced environment, dealing with a high-volume workload, prioritising key tasks to meet deadlines accordingly whilst maintaining excellent customer service throughout.
- Using commercial acumen and a pragmatic approach to find appropriate mitigation of risks where possible, with support and oversight from the Head of BTL Underwriting and Directors.
- Preparing Credit Papers to a high standard, detailing the purpose, key components and decision-making, concluding with your recommendation for each BTL application.
- Managing all cases through from enquiry stage to completion in a timely and efficient manner.
- Build and maintain strong relationships with introducers, valuers, and solicitor partners as well as internal stakeholders.
- Follow and keep up to date with current best practice and regulatory requirements in line with company training.
- Keep all internal systems up to date, inclusive of effective record keeping and accurate notes.
- Identify areas for improvement in the application process and recommendations for improvement.
Education & Experience
- Unregulated lending experience including HMO’s and MUFB’s along with an in-depth property related underwriting experience gained with a lender is essential.A senior mandate holder is preferable.
- Ability to make sound risk-based decisions at each stage of the process and articulate them without the aid of credit scoring.
- Excellent understanding of the compliance aspects of the role KYC, MCOB and demonstrate a full understanding of TCF, responsible lending and regulatory knowledge applicable to the role.
- Detailed understanding of organised fraud and measures/ systems in place to avoid it.
- Able to demonstrate you are proactive, hardworking, flexible, and able to work under own initiative but also as a team player.
- A confident and engaging communicator who can build rapport with customers, stakeholders and introducers and display an ability to impart detailed information in a clear and concise manner both written and verbally.
- Ability to prioritise effectively to manage several time critical tasks at once.
- Commercially aware with excellent interpersonal and communication skills.
- Flexible approach to working to meet the needs of the business.
Company Benefits
- Private Medical Insurance [Vitality]
- Cycle to Work scheme
- Discretionary annual bonus
- Monthly team socials
- Summer & Winter Company socials
- Employee of the month rewards
KSEYE Group is an equal opportunities employer and is committed to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.
Should you have any questions or require additional information, please contact careers@kseye.co.uk and a member of the team will be in touch in due course.
Underwriter, underwriting, buy to let, BTL, lending, mortgage, loans, financial services
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Underwriter (BTL) employer: KSEYE
Contact Detail:
KSEYE Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter (BTL)
✨Tip Number 1
Familiarise yourself with the specific lending criteria for Buy to Let mortgages. Understanding the nuances of BTL, HMO, and Multi-Unit Freehold Block applications will give you an edge in discussions and demonstrate your expertise.
✨Tip Number 2
Network with professionals in the bridging and mortgage sectors. Building relationships with introducers and other stakeholders can provide valuable insights and potentially lead to referrals or recommendations.
✨Tip Number 3
Stay updated on current regulatory requirements and best practices in underwriting. This knowledge will not only enhance your credibility but also show that you are proactive and committed to compliance.
✨Tip Number 4
Prepare to discuss your experience with risk assessment and decision-making processes during interviews. Being able to articulate your thought process and past experiences will help you stand out as a strong candidate.
We think you need these skills to ace Underwriter (BTL)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting, particularly in Buy to Let (BTL) and other property-related lending. Use specific examples that demonstrate your ability to make sound risk-based decisions and manage a high-volume workload.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Mention your experience with KYC checks, compliance, and your proactive approach to problem-solving. Make it personal and engaging to show your enthusiasm for the position.
Highlight Key Skills: In your application, emphasise your strong organisational, communication, and relationship management skills. Provide examples of how you've successfully built rapport with stakeholders and managed multiple tasks under tight deadlines.
Showcase Continuous Learning: Mention any relevant training or certifications you have completed, especially those related to compliance, fraud prevention, or underwriting best practices. This demonstrates your commitment to staying updated with industry standards and regulations.
How to prepare for a job interview at KSEYE
✨Know Your Stuff
Make sure you have a solid understanding of the Buy to Let mortgage sector and the specific underwriting criteria KSEYE Group uses. Brush up on your knowledge of KYC regulations, compliance aspects, and risk assessment techniques, as these will likely come up during the interview.
✨Showcase Your Experience
Be prepared to discuss your previous underwriting experience in detail, especially any work with HMO’s and MUFB’s. Highlight specific examples where you made sound risk-based decisions and how you managed high-volume workloads while maintaining excellent customer service.
✨Demonstrate Team Spirit
KSEYE Group values teamwork, so be ready to share examples of how you've successfully collaborated with colleagues or external stakeholders in the past. Emphasise your ability to build strong relationships and communicate effectively with introducers and clients.
✨Ask Insightful Questions
Prepare thoughtful questions about the company's growth plans in the Buy to Let market and how the underwriting team fits into that vision. This shows your genuine interest in the role and helps you assess if the company aligns with your career goals.