Underwriter

BTL Underwriter / Development Underwriting / Mortgages / BTL / Development / Permanent / Onsite – 5 Days / Merseyside / £350k Mandate

Our client, a fast-growing Challenger bank is seeking a highly skilled Mortgage Underwriter with experience in BTL or Development Finance to join their dynamic team. You will join a close-knit team of credit professionals and will work with the Relationship Management, Operations, and Risk teams to support brokers and SMEs in underwriting a range of loans including Mortgages & Buy to Let (BTL)

Responsibilities

• Assess and underwrite new lending applications (Mortgages, BTL & Development)
• Prepare detailed underwriting notes in support of credit proposals, approving/rejecting applications in line with policy, or recommending where mandate levels are exceeded
• Support SME customers; check documentation for completeness, adherence to credit policy and ensure full compliance with legislation and regulatory requirements
• Act as a point of contact for queries from brokers/customers
• Provide feedback to Risk, Relationship Management and brokers on the quality and completeness of applications
• Re-underwrite a sample of mortgages/buy-to-let loans acquired by the Bank from third parties to ensure lending criteria and risk appetite are adhered to
• Act, at all times, in line with the Bank’s core values and to ensure good customer outcomes, providing an excellent standard of customer service
• Consistently work in an efficient and productive manner, be curious and raise opportunities for improving the efficiency of processes

Experience

• Underwriting experience – Mortgages, complex Buy to let (BTL) & Development Finance
• Proven critical analysis of prospective borrowers
• Strong understanding of regulatory requirements, including BCOBS, MCOB, CONC
• Financial services experience

Qualifications & Personal Characteristics

• A passion for delivering an exceptional customer experience with a client-centric approach to work.
• A high attention to detail, and sound and reasoned judgement based on an independent and thorough analysis of facts and relevant factors including internal policies and regulations (e.g. CONC)
• A talented collaborator and communicator, able to bring colleagues together to reach the best way forward for the customer and the Bank
• The ability to work in a team environment and build strong working relationships with peers to contribute to team goals