Credit Underwriter - Personnel Selection : Job Details

Due to our continued success, we have an exciting opportunity within the Credit Risk team for a Credit Underwriter working for a successful financial services company within the buy to let mortgage sector.  Reporting into the Credit Director, you will be based in Fleet working the hours of 9am – 5pm with WFH options available after training. Salary is negotiable dependent on experience, a discretionary annual bonus, plus 25 days holiday, non-contributory pension, private healthcare, life assurance and income protection. The role would suit candidates with proven underwriting experience within the mortgage sector. The Credit Underwriter role is to provide vital support to all areas of the business, from criteria, property queries, title issues, tracing customers, Suspicious Activity Reports to fraud.

To be a point of referral on complex cases from around the business, as to whether we can consider an application. To accurately analyse and understand key elements of all mortgage applications, whilst ensuring adherence to all our policies or where the case is of good quality but outside policy recommend to our funders as an exception for all approval.

Also help to protect the Company from the risk of fraud by using our anti-fraud systems such as CIFAS and SIRA to investigate and act upon information received in a timely manner.

To provide a professional, efficient, and high standard of customer service to the rest of business, our customers, intermediaries, valuers, and solicitors.

The main duties of the role will be as follows:

•              To manually underwrite portfolio and complex BTL cases.

•              To recommend portfolio and complex BTL cases to our Funder.

•              To assist in maintaining and updating the lending policy, by researching, and recommending policy changes

•              Develop and maintain co-operative relationships between all internal stakeholders and investigate all referrals in a professional manner. (Underwriting and Sales)

•              Work our Fraud systems such as CIFAS, SIRA& Hunter to mitigate potential losses

•              To investigate suspicious alerts identified by our fraud prevention systems.

•              Exercise personal lending discretion when assessing exceptions.

•              Carrying out Broker reviews, liaising with sales before removal of a Broker

•              To assist in preparing Management Reports, ensuring they are prepared in time for Exco or Credit Committee meetings.

To be successful as our Credit Underwriter, you should have the following:

•              Current or previous experience of working within the mortgage industry with a strong mortgage underwriting background, preferably with proven underwriting experience and having currently or previously held a mandate.

•              Proven ability to exercise good commercial and professional judgement.

•              Effective communication skills both written and verbal.

•              Adaptive to ongoing change

•              Enthusiastic, flexible, and keen to learn and develop a career.

•              Knowledge of CIFAS & SIRA systems would be beneficial but not essential

In return we can offer a generous salary plus discretionary bonus, a full benefits package and the opportunity to WFH and progress your career within the business.