Underwriter (Home Finance/Mortgages)

Hybrid role – 2 days a week in the Wilmslow office, 3 days from homeRole PurposeThe purpose of this role is to underwrite and process all new home finance applications from receipt of application through to offer. Manage conversations and communications with brokers and internal colleagues effectively to ensure overall positive customer experience. The incumbent will be required to ensure service levels are maintained whilst being mindful of the Credit Risk Governance frameworks in operation within the Bank, such as KYC (Know Your Customer) and Fraud Awareness.Role DutiesEnd to end case ownership to ensure overall positive broker / customer outcome.Assess and underwrite new business cases in a pragmatic manner and within Credit Policy KYC guidelines to support the aim of the Bank to be recognised as a Specialist Financer by brokers and customers.Demonstrate a desire to underwrite cases by, where appropriate, suggesting alternative options on how a case may be acceptable whilst still fully complying with Credit Policy and KYC governance.Compose Finance rationale that ensures Finance decision is clearly structured and documented covering both credit and CDD (KYC/Anti Money Laundering) in line with policies and any potential risks mitigated.Work cases in an efficient manner utilising the processes and policies in place to contribute to the business meeting agreed Service Level Agreements both internally and externally.Required SkillsExperience in a similar role within a mortgage environmentRisk awareness and Regulatory standards awarenessKnowledge of MCOB