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- Tasks: Underwrite complex BTL mortgage applications and ensure exceptional customer service.
- Company: Vida Bank is a forward-thinking bank focused on helping underserved borrowers find their homes.
- Benefits: Enjoy flexible working options, a supportive culture, and a comprehensive benefits package.
- Why this job: Join a diverse team that values innovation and inclusivity while making a real impact.
- Qualifications: Must have 2+ years in specialist BTL underwriting and a strong understanding of complex lending scenarios.
- Other info: Be part of a recognised Top 100 mid-sized company with a commitment to gender diversity.
The predicted salary is between 36000 - 60000 £ per year.
Direct message the job poster from Vida Bank
Vida Bank provides competitive savings products through Vida Savings and specialist mortgage solutions through Vida Homeloans.
Our mortgage business supports Buy to Let (BTL) and residential borrowers (ROO) who find themselves underserved elsewhere. Our mortgage customers range from Buy to Let investors, to the self-employed and customers with multiple jobs.
Our savings proposition is delivered online via our website, and is focussed on providing savers with fair, transparent and competitive rates. Our typical customers are active savers, who tend to look beyond their current account provider for savings accounts.
Our business model and strategy are underpinned by our core purpose to ‘Help More People Find a Place to call Home’.
We are here to help the under-served, especially those with more nuanced personal circumstances or borrowing needs who are not able to access a mortgage from a mainstream mortgage lender. Working exclusively with intermediary partners, we combine cutting-edge technology with skilled and caring underwriting expertise to solve complex customer problems.
As a fully regulated UK based bank with ambitious growth aspirations, we recognise the importance of having a clearly articulated culture strategy and the need to actively manage how it embeds in the business together with the behaviours which exemplify it.
As a recognised Best Companies Top 100 mid-sized company to work for in the UK and a finalist at the Financial Reporter Women’s Recognition Awards, we take pride in our diverse workforce, championing both ethic and gender diversity through our EDI commitments.
Having met the target set by being a member of the HM Treasury Women in Finance Charter we have 50% of senior management roles filled by women.
With offices in London, Newcastle and Skipton, we bring our teams together regularly to collaborate and empower our colleagues to have more choice around when and where they work on the days they are not in the office, with colleagues working remotely in various locations across the UK.
Our Culture
We are proud to have built a culture founded on an ethos of caring, and that sits at the heart of our Vida Values, driving the way we run our business, support our customers and other stakeholders on a daily basis.
We genuinely care about delivering the right outcomes for all our stakeholders who we consider through the cultural framework as our customers, colleagues, company and communities that we operate in.
By Joining Vida you will have a sense of belonging in what is a diverse and collaborative environment, where you will be empowered to take responsibility for driving delivery.
We embrace a diversity of backgrounds and experiences in our people, in the deeply held belief that better outcomes are achieved for customers when our colleagues are better placed to empathise with and understand their unique circumstances. From application to interview, we place inclusion at the heart of all we do.
Role Overview:
The successful candidate will be a suitably qualified and experienced manual Underwriter in the specialist mortgage market, having recently held a Buy to Let lending mandate for a minimum of 2 years and a strong understanding of complex specialist lending scenarios.
They’ll be confident and well-reasoned in their decision making with excellent attention to detail, proactive in managing their applications, always be striving to provide an excellent customer journey and be a great team player.
Key Responsibilities:
- Underwrite and decision complex BTL mortgage applications whilst ensuring exceptional customer service
- Self-manage their own caseload in line with the business priorities while achieving agreed production and quality targets, and annual objectives
- Have a ‘can do’ approach to responsible lending decision making, considering mortgage applications outside of our standard lending policy where a justifiable business reason exists
- Ensure responsibilities regarding Consumer Duty, the Prevention of Financial Crime (including AML, identification, and reporting of fraud) and responsible lending are carried out effectively and in accordance with the Company’s policies
- Develop and maintain knowledge of our mortgage products and our bespoke underwriting approach, aligned to Vida’s risk appetite, products, and criteria
- Support out Intermediary partners with their queries
Requirements:
- Extensive experience of specialist mortgage manual underwriting, the mortgage intermediary market, its products, marketing approach and processes
- Held a specialist BTL lending mandate for a minimum of 2 years (£500k+ mandate desirable)
- A detailed understanding of complex BTL lending types.
- Regulation / Legislation Awareness – Knowledge of the Regulated Financial Services environment and a demonstrable understanding of Consumer Duty and responsible lending.
- CeMap qualified or industry equivalent (desirable)
- Able to demonstrate a proactive, hardworking and flexible attitude to work and be team player
- Proficient in MS Office, credit risk decision systems
Our Values
Our values are well established and recognised throughout our organisation. They provide a frame of reference for the behaviours expected from our colleagues every day.
We find ways to break old conventions, especially those which cause exclusion or customer harm. We look for these qualities when hiring new talent into the organisation, and they underpin our approach to personal development and performance management for all our people. At the heart of this is the fact we care about our Customers, Our Colleagues and our Communities. We are:
Visionary– We innovate and break old habits, thinking big and pushing boundaries together as one team
Inclusive – We value each other’s differences and work to see people for who they really are
Dynamic – We are flexible and fast, cutting through complexity and never accepting second best
Authentic – We are honest and genuine, what you see is what you get
We offer a comprehensive benefits package to support our employees’ professional and personal needs. Further details can be provided upon application.
Seniority level
-
Seniority level
Not Applicable
Employment type
-
Employment type
Full-time
Job function
-
Job function
Analyst
-
Industries
Banking and Financial Services
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BTL Underwriter employer: Vida Bank
Contact Detail:
Vida Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land BTL Underwriter
✨Tip Number 1
Familiarise yourself with Vida Bank's values and culture. Understanding their commitment to diversity and inclusion will help you align your responses during interviews, showcasing how your own values resonate with theirs.
✨Tip Number 2
Brush up on your knowledge of complex BTL lending scenarios. Being able to discuss specific cases or examples where you've successfully navigated such situations will demonstrate your expertise and confidence in the field.
✨Tip Number 3
Network with current or former employees of Vida Bank. Engaging with them can provide insights into the company culture and expectations, which can be invaluable when preparing for interviews.
✨Tip Number 4
Prepare to discuss your proactive approach to underwriting and customer service. Highlighting specific instances where you've gone above and beyond for clients will illustrate your commitment to exceptional service, a key aspect of the role.
We think you need these skills to ace BTL Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in manual underwriting, especially in the Buy to Let sector. Include specific examples of complex lending scenarios you've handled and any relevant mandates you've held.
Craft a Compelling Cover Letter: In your cover letter, express your understanding of Vida Bank's mission to help underserved customers. Mention how your values align with their culture and how you can contribute to their goals.
Showcase Relevant Skills: Emphasise your attention to detail, decision-making skills, and proactive approach in managing applications. Provide examples that demonstrate your ability to deliver exceptional customer service.
Highlight Regulatory Knowledge: Demonstrate your awareness of the regulated financial services environment and your understanding of Consumer Duty and responsible lending. This will show that you are well-prepared for the responsibilities of the role.
How to prepare for a job interview at Vida Bank
✨Understand the Company Culture
Before your interview, take some time to research Vida Bank's culture and values. They pride themselves on inclusivity and a caring ethos, so be prepared to discuss how your own values align with theirs.
✨Showcase Your Underwriting Experience
As a BTL Underwriter, your experience is key. Be ready to share specific examples of complex lending scenarios you've handled, particularly those that demonstrate your decision-making skills and attention to detail.
✨Prepare for Technical Questions
Expect questions related to specialist mortgage products and the regulatory environment. Brush up on your knowledge of Consumer Duty and responsible lending practices to show you’re well-versed in the industry.
✨Demonstrate Team Spirit
Vida Bank values collaboration, so highlight your ability to work as part of a team. Share examples of how you've supported colleagues or worked with intermediary partners to achieve common goals.
