At a Glance
- Tasks: Assess mortgage applications and ensure compliance with underwriting guidelines.
- Company: Join West One Loans, a rapidly growing specialist lending company.
- Benefits: Enjoy private medical healthcare, 25 days annual leave, and paid volunteering days.
- Other info: Collaborative culture focused on customer service and personal development.
- Why this job: Be part of an exciting journey in specialist finance with clear career progression.
- Qualifications: Experience in 1st or 2nd Charge mortgage underwriting is preferred.
The predicted salary is between 33075 - 40425 £ per year.
Are you an experienced Second Charge Mortgage Underwriter who enjoys saying "yes" where it's right to do so?
If you have the judgement to balance commercial opportunity with responsible lending and enjoy working closely with brokers to find solutions, we’ll love to hear from you.
Join West One Loans and help us deliver specialist lending with confidence.
- Key Accountabilities
- Enter and update borrower data on Fusion lending platform.
- Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
- Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
- Provide concise and accurate updates to brokers.
- Proactively chase brokers for outstanding requirements.
- Ensure all underwriting is in line with Company policy and within regulation.
- Ensure that all cases are Underwritten within the Groups Risk appetite.
- Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
- Maintaining a pipeline of cases, overseeing cases from inception through to completion.
- Maintain broker relationships that are integral to the growth for WOSL.
- All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.
Skills & Competencies
- Ability to work as part of a team.
- Pass internal competency tests post induction.
- High attention to detail.
- Good written and verbal communication skills.
- Knowledge & Qualifications
- An understanding of FCA regulation.
- Experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
- Ce MAP (desirable, not essential).
- Personal Attributes
- Flexible
- Articulate
- Well organised
- Robust and comfortable working to deadline and under pressure
Why Join Us?
At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey.
We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.
- private medical healthcare
- 25 days’ annual leave
- paid volunteering days
- a host of additional benefits
At Enra we believe that working together collaboratively is the best way to serve our customers and develop our colleagues.
We are very focused on developing and maintaining our culture and remaining dedicated to the CREDIT values on which Enra was built: Customers, Results, Energy, Development, Invention and Teamwork.
We live and breathe these values every day and want to ensure they underpin our future success.
So, if you want to build a career in specialist finance, with an employer focused on providing brilliant customer service, lending responsibly, and creating a great office environment to develop its people, then look no further than Enra.
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2nd Charge Underwriter employer: West One Loans
West One Loans is an exceptional employer, offering a dynamic work environment where innovation and collaboration thrive. With a strong focus on employee growth, we provide comprehensive benefits including private medical healthcare, ensuring our team members feel valued and supported. Located in North London, our culture fosters meaningful relationships and professional development, making it an ideal place for those looking to make a significant impact in the lending industry.
