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- Tasks: Approve mortgage applications and manage a pipeline from submission to completion.
- Company: Join a leading specialist Property Lending bank in the heart of London.
- Benefits: Enjoy a competitive salary, excellent bonuses, and hybrid working options.
- Why this job: Be part of a dynamic team that values responsible lending and customer outcomes.
- Qualifications: Experience in underwriting and a strong understanding of credit policies required.
- Other info: Opportunity for coaching and career growth within a supportive environment.
The predicted salary is between 28800 - 48000 £ per year.
Up to £48,000 plus EXCELLENT bonus and benefits Hybrid Working Available! A fantastic opportunity has arisen for an experienced Underwriter to join the Buy to Let mortgages department at a leading specialist Property Lending bank based in the City of London. You will be responsible for approving new mortgage applications within the Standard, Professional and portfolio But To Let product offering, and working to add value to the entire BTL process. Duties of the Relationship Manager, Broker Network: Foster strong partnerships with the BTL Underwriting and Credit teams. Provide input and authorize credit decisions within delegated authority to promote responsible portfolio growth in alignment with Credit Policy. Assess and underwrite mortgage applications with higher risk profiles. Make lending decisions in accordance with the Credit Risk Policy, Responsible Lending Policy, and individual mandate limits. Act as an escalation point for team members, offering guidance, coaching, and training where necessary. Take a holistic approach to applications, considering overall customer needs and outcomes. Oversee new applications, correspondence, and pre-submission queries while meeting service level agreements. Proactively manage a pipeline of applications from submission through to completion. Collaborate with a pre-approved panel of I…
Senior Buy to Let Underwriter employer: Montpellier Resourcing
Contact Detail:
Montpellier Resourcing Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Buy to Let Underwriter
✨Tip Number 1
Make sure to familiarize yourself with the latest trends and regulations in the Buy to Let mortgage market. This knowledge will not only help you stand out during interviews but also demonstrate your commitment to staying updated in this dynamic field.
✨Tip Number 2
Network with professionals in the property lending sector, especially those who work as Underwriters or in related roles. Attend industry events or join online forums to build connections that could lead to valuable insights and potential referrals.
✨Tip Number 3
Prepare to discuss specific examples of how you've successfully managed high-risk mortgage applications in the past. Highlight your decision-making process and how you ensured compliance with credit policies while still meeting customer needs.
✨Tip Number 4
Showcase your ability to foster strong partnerships by preparing examples of how you've collaborated with underwriting and credit teams in previous roles. Emphasize your communication skills and your approach to building effective working relationships.
We think you need these skills to ace Senior Buy to Let Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting, particularly in Buy to Let mortgages. Use specific examples that demonstrate your ability to assess and approve mortgage applications.
Craft a Strong Cover Letter: Write a cover letter that showcases your understanding of the Buy to Let market and your experience with higher risk profiles. Mention how you can add value to the BTL process and foster partnerships within the team.
Highlight Relevant Skills: Emphasize skills such as decision-making, risk assessment, and customer-focused approaches. Make sure to mention any experience with Credit Policy and Responsible Lending Policy.
Proofread Your Application: Before submitting, carefully proofread your application for any errors or inconsistencies. A polished application reflects your attention to detail, which is crucial in underwriting.
How to prepare for a job interview at Montpellier Resourcing
✨Know Your Mortgage Products
Make sure you have a solid understanding of the Buy to Let mortgage products offered by the bank. Be prepared to discuss how you would assess applications for Standard, Professional, and portfolio BTL products.
✨Demonstrate Relationship Management Skills
Highlight your experience in fostering strong partnerships with underwriting and credit teams. Be ready to provide examples of how you've successfully collaborated with others to achieve common goals.
✨Showcase Your Decision-Making Abilities
Prepare to discuss your approach to making lending decisions, especially for higher risk profiles. Be clear about how you align your decisions with the Credit Risk Policy and Responsible Lending Policy.
✨Emphasize Coaching and Guidance Experience
Since the role involves acting as an escalation point for team members, share your experiences in coaching and training others. Discuss how you’ve helped colleagues improve their skills and decision-making processes.
