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For Companies At a Glance
- Tasks: Manage the lending process from application to completion while ensuring compliance.
- Company: West One Loans is dedicated to responsible lending and exceptional customer service.
- Benefits: Enjoy a collaborative culture, remote work options, and opportunities for personal development.
- Why this job: Join a team that values integrity, teamwork, and innovation in the finance sector.
- Qualifications: Experience in commercial underwriting and strong organisational skills are essential.
- Other info: This is an entry-level, full-time position with a focus on career growth.
The predicted salary is between 28800 - 48000 £ per year.
The overall responsibility of an Underwriter at West One is to take ownership of allocated cases from inception through to completion.
Key Accountabilities
- Managing the entire lending process from application through to drawdown whilst adhering to underwriting and due diligence processes.
- Manage a pipeline of Commercial cases and prioritise accordingly.
- Maintaining key intermediary relationships.
- Ensuring all applications comply with West One's lending criteria.
- Effectively manage the lending process by liaising with internal departments and external parties.
- Instructing Solicitors once an offer is made and providing all relevant documentation.
- Act with integrity and embrace the philosophy of TCF guidelines and adhere to responsible lending principles.
- Demonstrating deep underwriting knowledge and expertise.
- Be willing to assist the wider team when required.
Skills & Competencies
- Excellent organisational and prioritisation skills.
- Pass internal competency tests post induction.
- Attention to detail.
- Ability to work as part of a team.
- Good written and verbal communication skills.
- Ability to work to tight timeframes.
Knowledge & Qualifications
- Experienced in use of Word, Excel, Power Point and Outlook.
- Previous experience in underwriting within Commercial Finance.
- A strong understanding of FCA regulation.
- CeMAP (desirable, not essential).
Personal Attributes
- Robust and comfortable working to deadlines and under pressure.
- Resilient and flexible.
- Articulate.
- Well organised.
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.
Commercial Underwriter employer: West One Loans
Contact Detail:
West One Loans Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Commercial Underwriter
✨Tip Number 1
Familiarise yourself with the specific lending criteria of West One Loans. Understanding their requirements will help you demonstrate your knowledge during interviews and show that you're serious about the role.
✨Tip Number 2
Network with current or former employees of West One Loans on platforms like LinkedIn. They can provide valuable insights into the company culture and the expectations for the Commercial Underwriter role.
✨Tip Number 3
Brush up on your understanding of FCA regulations and responsible lending principles. Being well-versed in these areas will not only boost your confidence but also make you a more attractive candidate.
✨Tip Number 4
Prepare to discuss your experience with managing a pipeline of commercial cases. Be ready to share specific examples of how you've prioritised tasks and maintained relationships with intermediaries in previous roles.
We think you need these skills to ace Commercial Underwriter
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Commercial Underwriter at West One Loans. Familiarise yourself with their lending processes and key accountabilities to tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasise any previous experience in underwriting within Commercial Finance. Mention specific cases you've managed and how you adhered to lending criteria, showcasing your attention to detail and organisational skills.
Showcase Your Skills: Make sure to highlight your excellent written and verbal communication skills, as well as your ability to work under pressure. Provide examples of how you've successfully managed tight deadlines and collaborated with teams in past roles.
Tailor Your Application: Customise your cover letter to reflect the values of West One Loans, such as Customers, Results, Energy, Development, Invention, and Teamwork. Demonstrating alignment with their culture can set you apart from other candidates.
How to prepare for a job interview at West One Loans
✨Understand the Underwriting Process
Make sure you have a solid grasp of the entire lending process, from application to drawdown. Be prepared to discuss how you would manage cases and ensure compliance with lending criteria.
✨Showcase Your Organisational Skills
Highlight your ability to manage a pipeline of commercial cases effectively. Discuss specific examples where you've prioritised tasks under pressure, as this is crucial for the role.
✨Demonstrate Teamwork and Communication
Be ready to talk about your experience working in teams and how you communicate with both internal departments and external parties. This will show that you can maintain key relationships, which is vital for the role.
✨Familiarise Yourself with FCA Regulations
Since a strong understanding of FCA regulations is essential, brush up on relevant guidelines before the interview. Being able to discuss these confidently will set you apart from other candidates.
