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- Tasks: Review and underwrite 2nd Charge Mortgage applications while managing an active pipeline.
- Company: Join Tandem, a fast-growing challenger bank focused on sustainable digital banking.
- Benefits: Enjoy 25 days leave, healthcare, and a bonus scheme plus more perks!
- Why this job: Make a real impact in the future of banking while working in a supportive team.
- Qualifications: Computer skills and teamwork are essential; mortgage experience is a bonus.
- Other info: Dynamic workplace with opportunities for personal growth and community involvement.
The predicted salary is between 22750 - 31000 £ per year.
Working Pattern: Monday to Friday, 36.25 hours per week (shifts between 8am to 6pm for example 8am-4pm/9am-5pm/10am-6pm)
Salary: £27,500 - £31,000 dependent on experience + up to 20% bonus + benefits
Location: 5 days a week in our Blackpool office (FY4 2FB) with some flexibility for hybrid after probation.
As an Approvals Underwriter you will accurately review and underwrite 2nd Charge Mortgage applications, verifying, updating and considering the overall lend whilst effectively managing an active pipeline, communicating with both customers and brokers verbally and via email.
Your Impact: As an Approvals Underwriter at Tandem your focus will be on:
- Review and accurately underwrite 2nd Charge Mortgage applications in line with our Responsible Lending Policy, lending criteria and agreed service levels.
- Obtain relevant mandates.
- Accurately update relevant systems with the application details.
- Use Microsoft Excel, Microsoft Word and our internal systems simultaneously.
- Request additional requirements needed to process the application.
- Communicate clearly both in writing and verbally with brokers/customers throughout the underwriting process providing timely updates.
- Effectively manage a pipeline of second charge mortgage applications from pack submission to completion.
We'd love to hear from you if you have:
- Computer skills including full Microsoft office package.
- Enjoy working as part of a team and able to work as an individual.
- Able to effectively manage your day and prioritise your workload.
- Able to adapt quickly if priorities change.
- Able to demonstrate consistency.
It would be great, but not essential if you have:
- Experience in underwriting/processing Mortgage applications.
- Experience/knowledge of 2nd charge lending market.
- Experience/knowledge of the regulations we work within.
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:
- 25 days annual leave plus 8 days Bank Holiday
- An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc
- Buy or sell up to 5 days holiday a year
- Healthcare cash plan through Westfield Health
- Life Assurance at 3 x salary
- Electric Vehicle salary sacrifice scheme
- Cycle to Work salary sacrifice scheme and a free helmet
- Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)
- Smart Tech scheme (buy goods with 0% interest)
- 10% discount on solar panels
- Tandem Hub for treats, cash back and discounts on UK retailers
- 2 days per year paid volunteering
- Free cereal, snacks and drinks in all offices
- Quarterly team social budgets
Our Green Deal: Your Impact Amplified
A little welcome gift from us to you, we'll plant a tree in the Tandem Grove and you can enter into our "Green Deal" below:
- Volunteer 2 days a year for charity > receive an early Friday finish
- Raise £200 per annum for charity > Tandem provide PR and marketing support
- Have renewable energy at home > receive an additional 1 day annual leave
- Drive an electric car > receive £500 towards a home charger
Ready to make your mark? Apply now and let’s pave the way to a greener world, together.
Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role.
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act. We respect the diverse experience and talents that every individual brings to our Company, and we are determined 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.
Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process.
Approvals Underwriter in Blackpool employer: Tandem Bank
Contact Detail:
Tandem Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Approvals Underwriter in Blackpool
✨Tip Number 1
Network like a pro! Reach out to current employees at Tandem on LinkedIn or other platforms. Ask them about their experiences and any tips they might have for the interview process. It’s all about making connections!
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of 2nd Charge Mortgages. Familiarise yourself with the lending criteria and responsible lending policies. Showing that you know your stuff can really set you apart!
✨Tip Number 3
Practice your communication skills! Since you'll be interacting with customers and brokers, being clear and confident in your verbal and written communication is key. Try mock interviews with friends or family to get comfortable.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in joining the Tandem team. Let’s make it happen!
We think you need these skills to ace Approvals Underwriter in Blackpool
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Approvals Underwriter role. Highlight your relevant experience, especially if you've worked with mortgage applications or in underwriting before. We want to see how you can fit into our team!
Show Off Your Skills: Don’t forget to mention your computer skills, especially with Microsoft Office. If you’ve got experience managing pipelines or communicating with customers and brokers, let us know! We love a candidate who can juggle tasks effectively.
Be Clear and Concise: When writing your application, keep it clear and to the point. Use straightforward language and make sure your key points stand out. We appreciate a well-structured application that’s easy to read!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, you’ll find all the info you need about the role right there!
How to prepare for a job interview at Tandem Bank
✨Know Your Stuff
Before the interview, make sure you understand the role of an Approvals Underwriter. Familiarise yourself with 2nd Charge Mortgage applications and the lending criteria. This will help you answer questions confidently and show that you're genuinely interested in the position.
✨Show Off Your Communication Skills
Since you'll be communicating with customers and brokers, practice articulating your thoughts clearly. Prepare examples of how you've effectively managed communication in previous roles, whether through email or verbally. This will demonstrate your ability to handle the responsibilities of the job.
✨Be Ready for Scenario Questions
Expect scenario-based questions that assess your problem-solving skills and decision-making process. Think of situations where you had to manage a busy workload or adapt to changing priorities. Use the STAR method (Situation, Task, Action, Result) to structure your answers.
✨Emphasise Teamwork
Tandem values collaboration, so be prepared to discuss your experience working in teams. Share examples of how you've contributed to team success and how you handle healthy competition. This will show that you can thrive in their supportive and fast-paced environment.