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For Companies At a Glance
- Tasks: Take ownership of mortgage cases from start to finish, ensuring accuracy and compliance.
- Company: Join Enra Specialist Finance, a leader in the mortgage industry focused on growth and innovation.
- Benefits: Enjoy a collaborative work environment with opportunities for professional development and strong broker relationships.
- Why this job: Be part of a dynamic team that values attention to detail and effective communication while making an impact.
- Qualifications: Experience in underwriting and understanding FCA regulations are key; CeMAP is a plus.
- Other info: Flexible working conditions and a supportive team culture await you!
The predicted salary is between 36000 - 60000 £ per year.
The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.
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 inUnderwriting 1st or 2nd Charge or BTL mortgage applications.
- CeMAP (desirable, not essential).
Personal Attributes
- Flexible
- Articulate
- Well organised
- Robust and comfortable working to deadline and under pressure
Mortgage Underwriter employer: West One Loans
Contact Detail:
West One Loans Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter
✨Tip Number 1
Familiarize yourself with the Fusion lending platform, as it's crucial for entering and updating borrower data. Understanding how to navigate this system will give you a significant advantage during the interview process.
✨Tip Number 2
Brush up on your knowledge of FCA regulations and underwriting criteria. Being able to discuss these topics confidently will demonstrate your expertise and commitment to compliance in the mortgage industry.
✨Tip Number 3
Highlight your experience in building relationships with brokers and third-party suppliers. Prepare examples of how you've successfully managed these relationships in the past, as this is key to ensuring a smooth flow of business.
✨Tip Number 4
Showcase your attention to detail and ability to work under pressure. Be ready to discuss specific instances where you've maintained accuracy while meeting tight deadlines, as this is essential for the role.
We think you need these skills to ace Mortgage Underwriter
Some tips for your application 🫡
Understand the Role: Make sure to thoroughly read the job description for the Mortgage Underwriter position. Understand the key responsibilities and required skills, as this will help you tailor your application.
Highlight Relevant Experience: In your CV and cover letter, emphasize your experience in underwriting, particularly with 1st or 2nd Charge or BTL mortgage applications. Mention any relevant qualifications like CeMAP, even if they are not essential.
Showcase Communication Skills: Since good written and verbal communication skills are crucial for this role, provide examples in your application that demonstrate your ability to communicate effectively with brokers and other stakeholders.
Demonstrate Attention to Detail: Underwriting requires a high level of accuracy. Include specific instances in your application where your attention to detail made a difference in your previous roles.
How to prepare for a job interview at West One Loans
✨Know Your Underwriting Guidelines
Make sure you are familiar with the underwriting guidelines specific to the company. This will help you demonstrate your understanding of the role and show that you can accurately assess mortgage applications.
✨Highlight Your Attention to Detail
During the interview, provide examples of how your attention to detail has positively impacted your previous work. This is crucial in underwriting, where accuracy is key.
✨Demonstrate Communication Skills
Be prepared to discuss how you maintain relationships with brokers and other third-party suppliers. Good communication is essential for ensuring a smooth flow of business.
✨Showcase Your Teamwork Ability
Since the role requires working as part of a team, share experiences where you successfully collaborated with others. This will illustrate your ability to contribute positively to the team dynamic.
