At a Glance
- Tasks: Lead a team of underwriters and manage bespoke mortgage cases.
- Company: Join West One Loans, a fast-growing specialist lender.
- Benefits: Enjoy private healthcare, 25 days leave, and paid volunteering days.
- Other info: Embrace a culture of teamwork and continuous development.
- Why this job: Make a real impact in a collaborative environment focused on growth.
- Qualifications: 5+ years in BTL mortgages and strong leadership skills required.
The predicted salary is between 45000 - 55000 £ per year.
Are you a natural leader who enjoys bringing out the best in others and knows what it takes to deliver great lending decisions?
Do you have experience in BTL Bespoke mortgages and thrive in a specialist lending environment where complex cases, commercial judgement and strong broker relationships are part of the day-to-day?
If you’re ready to lead from the front, support your team and make a real impact, this could be the perfect next step.
- Key Accountabilities
- Be Responsible for the operational function of the department.
- Manage & support a team of Underwriters.
- Maintain a pipeline of cases.
- Ensure all sign offs are done in a timely manner.
- Ensure all credit papers are presented in the correct manner.
- Ensure all referrals are done in a timely manner.
- Developing staff and promoting self-improvement within the team.
- Be first point of contact in the absence of the Head of Mortgage Operations.
- Maintain broker relationships that are integral to the growth for WOSL.
- Promote our Team Ethic.
- Maintain and review all internal operational process documents ensuring the relevant information is captured that are used by the underwriting team.
- Take ownership of UAT testing requirements of the business, ensuring the underwriting operating system functions as required.
- Ensure Quarterly One-to-Ones are carried out with the underwriters, ensuring all training/development needs are met.
- Prepare and deliver 6 monthly/Yearly appraisals.
- Ensure all underwriting is in line with Company policy and within regulation.
- Underwrite Bespoke loan applications and maintain a pipeline of cases when the business requires.
- Be a referral point for Underwriters and broker support for queries on applications.
- Liaising with introducers, valuers and solicitors ensuring an excellent relationship is maintained.
- Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) checks in line with regulatory requirements and internal policies & procedures.
- Ensure compliance with AML, sanctions, and financial crime policies & procedures.
- Perform Customer Due Diligence (CDD) and supported Enhanced Due Diligence (EDD) for higher-risk cases and assess customer applications for potential money laundering and financial crime risks.
- Identify and upscale Trials.
- Identify and escal... (continued) ...
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- Identify and escalatory and ... (maybe glitch).
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- As a Mandate holder ensuring all cases are approved within the Groups Risk appetite.
Skills & Competencies
- Excellent Leadership skills.
- 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
- A strong understanding of BTL Mortgages.
- Current/Previous Mandate Holder with a Lender in the specialist mortgage market.
- A minimum of 5 years’ experience, underwriting mortgage applications for a Lender, specifically within the BTL loan market.
- Experienced in Managing people.
- Ce MAP (desirable, not essential).
- Minimum of 5 GCSEs A-C (Including Maths and English).
- 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.
Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.
If you’re ready to build your career with a Specialist Lender and make an impact.
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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Team Leader - Buy To Let Bespoke Mortgages in Watford 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.
StudySmarter Expert Advice🤫
We think this is how you could land Team Leader - Buy To Let Bespoke Mortgages in Watford
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like West One Loans. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Team Leader - Buy To Let Bespoke Mortgages in Watford
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to West One Loans.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on West One Loans's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at West One Loans
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with West One Loans.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at West One Loans will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former West One Loans employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
