At a Glance
- Tasks: Underwrite residential mortgage applications and make lending decisions.
- Company: Dynamic bank with a focus on mortgage originations and customer service.
- Benefits: Hybrid work model, competitive salary, and inclusive workplace culture.
- Other info: Opportunity for career growth in a supportive environment.
- Why this job: Join a team that values your input and helps customers achieve their dreams.
- Qualifications: Attention to detail and strong customer service skills required.
The predicted salary is between 40000 - 50000 £ per year.
This is a hybrid role working 3 days in the office (City of London location) and 2 days working from home.
Role Purpose
This role is based within the Mortgages division, reporting to the Underwriting Manager. The Mortgage division is responsible for the Bank’s mortgage originations, lending and servicing of loans.
Key Responsibilities
- Underwrite both residential mortgage applications
- Make lending decisions in line with Credit Risk Policy and individual mandate level
- See beyond the individual components of an application, and consider the broader customer outcome and need
- Manage new applications, incoming post and pre-submission referrals within set service standards
- Proactively manage an assigned pipeline of applications from receipt to completion
- Liaise with a pre-approved panel of Introducers to provide quick, accurate and reliable underwriting decisions
Skills and Experience
- Ensures tasks are completed to a high standard
- Starts and completes tasks effectively
- Deals with tasks in good time
- Responds to customers’ needs promptly
- Presents a knowledgeable and responsible face to the customer
- Engenders customers’ confidence in the firm’s ability to provide excellent service
We're an equal opportunity employer, which means we'll consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we're committed to creating an inclusive environment for all employees.
During the application process, you will be asked to complete an equality questionnaire on a voluntary basis and any data we collect will be treated confidentially and used for evaluation purposes. This helps us understand our applicants so we can make sure we are doing everything we can to attract a diverse range of people and ensure our recruitment processes are fair and inclusive.
Underwriter employer: United Trust Bank Limited
As an Underwriter in our dynamic Mortgages division, you will thrive in a supportive and inclusive work culture that values your contributions and fosters professional growth. With a hybrid working model based in the vibrant City of London, we offer a balanced approach to work-life integration, alongside opportunities for career advancement and development within a leading financial institution committed to excellence and customer satisfaction.
StudySmarter Expert Advice🤫
We think this is how you could land Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working as underwriters. A friendly chat can lead to insider info about job openings and even referrals.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of mortgage applications and credit risk policies. We want you to show that you can make informed lending decisions and understand customer needs.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values. Check out our website for roles that fit your skills and where you can thrive in a supportive environment.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can keep you top of mind and show your enthusiasm for the role. It’s a small gesture that can make a big difference.
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Underwriter role. Highlight relevant experience in mortgage underwriting and any specific skills that match the job description. We want to see how you can contribute 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 this role and how your background aligns with our needs. Keep it concise but engaging – we love a good story!
Showcase Your Attention to Detail:As an Underwriter, attention to detail is key. Make sure your application is free from typos and errors. We appreciate candidates who take the time to present their best selves!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the easiest way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at United Trust Bank Limited
✨Know Your Numbers
As an Underwriter, you'll be dealing with numbers and data all day. Brush up on your understanding of mortgage metrics and lending criteria. Familiarise yourself with the Credit Risk Policy so you can confidently discuss how you would apply it in real scenarios.
✨Showcase Your Customer Focus
This role is all about understanding customer needs. Prepare examples of how you've gone above and beyond to ensure a positive outcome for clients in previous roles. Highlight your ability to manage applications efficiently while keeping the customer's best interests at heart.
✨Be Ready for Scenario Questions
Expect to face scenario-based questions that test your decision-making skills. Think through potential situations you might encounter as an Underwriter and how you would handle them. Practising these responses will help you feel more confident during the interview.
✨Demonstrate Your Team Spirit
Even though this is a hybrid role, collaboration is key. Be prepared to discuss how you work effectively within a team, especially when liaising with Introducers. Share examples of how you've contributed to team success in the past, showing that you're not just a lone wolf.
