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- Tasks: Analyse complex financial situations to support high net worth mortgage applications.
- Company: Join Together, a leading mortgage provider with over 50 years of experience.
- Benefits: Enjoy 26 days holiday, birthday off, gym access, and competitive bonuses.
- Why this job: Make a real impact by helping clients achieve their property dreams.
- Qualifications: Experience in high net worth underwriting and strong analytical skills required.
- Other info: Diverse and inclusive workplace with excellent career development opportunities.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Working Hours: Standard (09:00am-17:30pm)
Office or Field Based: Office Based (Cheadle, SK8 3GW)
Contract type: Permanent
Benefits of working at Together:
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
- Free access to company holiday homes
- Buy & sell holidays
- Discretionary annual bonus plus an additional Shared Reward Bonus
- Life assurance and Critical illness cover
- Travel season ticket loans and Ride to work scheme
- Free local gym access
- Local bar / restaurant discounts
Company Description:
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans. We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
Job Description:
As a High Net Worth Underwriter, we are looking for someone who is capable of unpicking complex financial webs to prove a customer can afford their debt. Allowing you to accurately underwrite, mandate and complete mortgage and secured loan applications for High Net Worth individuals as part of our Premier Service. Focusing on service delivery by following group lending criteria, policies and procedures, you will proactively manage customer and broker relationships whilst delivering a seamless level of service to increase future business.
As a High Net Worth Underwriter, we are looking for someone to:
- Interpret full statutory accounts (Ltd/LLP), specifically tracking how money moves between entities via dividends, director loans, and management charges
- Reconstruct net income from diverse streams (trading profits, vesting, and carried interest) and assessing its long-term sustainability through multi-year trend analysis and stress testing
- Have working knowledge of UK personal and corporate tax (S455, SA302s, and dividend vs. salary) to understand how tax planning impacts actual cash flow
- Be familiar with trusts, holding companies, and offshore vehicles is essential to identify who truly controls the wealth and the feasibility of repatriating funds
- Navigate FCA MCOB rules regarding HNW exemptions and modified affordability
- Be able to accurately triage clients against HNW definitions (ÂŁ300k+ income / ÂŁ3m+ net assets) and distinguish between income-based underwriting and Asset-Based Lending (ABL)
- Understand how various assets (from private equity to fine art) generate liquidity or future "exit events"
- Be able to justify policy exceptions and identify "early warning signals" within a client’s portfolio, such as concentration risk or high leverage
Qualifications:
- Exposure to HNW/Private Banking underwriting or specialist lending with modified affordability
- Familiarity with KYC/AML/PEP nuances for HNW (complex ownership, source of wealth/source of funds checks)
- Demonstrable track record assessing dividend/loan account income and reading statutory accounts
- Commercial pragmatism with control: balances risk with customer outcome; knows when to say no but starts with a desire to see how we can structure a deal within appetite
- Can-do, hands-on. Willing to “roll sleeves up” in a fast-paced, entrepreneurial environment
- Communicates clearly and confidently, adapting style for brokers, valuers, solicitors, senior colleagues and HNW customers
- Cases with cross-border income/assets and FX conversion to GBP.
- Experience interacting with accountants/tax advisers and challenging assumptions.
Additional Information:
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you’d benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
High Net Worth Underwriter employer: Together
Contact Detail:
Together Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land High Net Worth Underwriter
✨Tip Number 1
Network like a pro! Reach out to industry contacts on LinkedIn or attend local finance events. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions related to underwriting and financial analysis. We recommend role-playing with a friend or using online resources to get comfortable with your responses.
✨Tip Number 3
Showcase your expertise! Bring examples of your past work, especially those that demonstrate your ability to handle complex financial situations. This will help you stand out as a candidate who can hit the ground running.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team at Together.
We think you need these skills to ace High Net Worth Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the High Net Worth Underwriter role. Highlight your experience with complex financial situations and any relevant qualifications that match the job description. We want to see how you can bring your unique skills to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background aligns with our values at Together. Don’t forget to mention your understanding of HNW underwriting and how you can contribute to our success.
Showcase Relevant Experience: When filling out your application, be sure to showcase any relevant experience you have in HNW or private banking underwriting. We love candidates who can demonstrate their ability to navigate complex financial webs and manage client relationships effectively.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team. Let’s get started on this journey together!
How to prepare for a job interview at Together
✨Know Your Numbers
As a High Net Worth Underwriter, you'll need to interpret complex financial data. Brush up on your knowledge of statutory accounts and how to track money movement between entities. Be prepared to discuss specific examples of how you've reconstructed net income from diverse streams.
✨Understand the Tax Landscape
Familiarity with UK personal and corporate tax is crucial for this role. Make sure you can explain how tax planning impacts cash flow. Consider bringing up any relevant experiences where you navigated tax implications in underwriting decisions.
✨Showcase Your Relationship Skills
This position requires proactive management of customer and broker relationships. Think of examples where you've successfully built rapport or resolved conflicts. Highlight your communication style and adaptability when dealing with different stakeholders.
✨Demonstrate Commercial Pragmatism
The ability to balance risk with customer outcomes is key. Prepare to discuss situations where you had to say no but still aimed to find a solution within appetite. Show that you understand the importance of structuring deals effectively while managing risk.