Underwriter

Mortgage Underwriter, Bournemouth

We’re seeking an experienced mortgage/bridging finance underwriter to join our existing short term lending credit team, based on the south coast, in Bournemouth.

Key Responsibilities:

• Assess Bridging/Refurbishment loan applications.
• Manage their own pipeline from initial assessment through to completion.
• Provide effective communication to all parties, including introducers and/or applicants, ensuring exceptional customer service at all times.
• Work with the wider team so that agreed targets and objectives are met.
• Provide feedback on policies and process to highlight possible improvements or concerns.
• Utilise experience to provide rationale for applications outside of agreed lending criteria.
• Ensure that you adhere to the principles of Treating Customers Fairly, the Prevention of Financial Crime (including AML, identification and reporting of fraud), undertaking and maintaining online training through Compliancy Services.

Requirements:

• You will ideally have been working in a similar role, for at least 12 months, and hold recognised industry qualifications (CeMAP, CeRCC) but qualifications are not essential.
• Experience of the mortgage intermediary market, its products and processes.
• Current lending mandate.
• A detailed understanding of complex BTL lending types.
• Manual BTL mortgage underwriting experience.
• Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment.
• Demonstrable understanding of TCF, responsible lending and regulatory knowledge.
• Able to demonstrate a proactive, hardworking, flexible attitude and able to work under own initiative but also as a member of the wider team.
• Proficient in MS Office, credit risk decision systems or ability to learn new systems.

Experience:

• Underwriting: 12 months (required)

Benefits:

• Referral programme
• Work from home 1 day a week
• 25 Days Annual Leave + Bank Holidays. Annual Leave increases by 1 day per full year up to a max of 30 Days
• Death in Service (4 x Salary)
• Healthy Snacks
• Mindfulness sessions
• Career progression

Schedule:

• 9.00am to 5.30pm Monday to Friday - Full Time