Company Description
We’re Together – the market leading property finance experts with an entrepreneurial spirit. Based in Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.
We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders. Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.
We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people.
Job Description
As an Underwriter, you will accurately underwrite, mandate and complete mortgage and secured loan applications as part of our Charles Street division. You will ensure that we minimise risk to the business and reach the right customer outcome. Focusing on service delivery by following the lending criteria, policies and procedures, you will proactively manage broker relationships by acting as a point of contact for our brokers and delivering a seamless level of service to increase future business.
As an Underwriter, we are looking for someone to:
1. Assess all cases from direct customers to make informed underwriting decisions that are in line with company policies, procedures and lending criteria
2. Assess the risk and provide a rationale on each application ensuring that the loan is affordable, and sustainable
3. Provide mortgage offers in accordance with agreed service levels
4. Identify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customer
5. Manage the end-to-end pipeline of cases for both pre- and post-offer, using a proactive approach in managing brokers and third parties to ensure Service Level Agreements (SLAs) are met
6. Liaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
7. Act as a point of contact for customers to answer their general and case specific queries
Qualifications
Essential
8. Previous underwriting experience within the secured lending and commercial mortgage market
9. Excellent attention to detail
10. Ability to make positive lending decisions
11. Ability to work under pressure and to strict deadlines
12. Excellent communication skills
13. Experience of dealing with customers
14. Experience of managing broker relationships
15. Strong planning and organisational skills
16. Possess strong objection handling and problem solving skills
Additional Information
Benefits working at Together
17. 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
18. Buy & sell holidays
19. Discretionary annual bonus
20. Matched pension contribution
21. Life assurance
22. Critical illness cover
23. Health cash plan
24. Private medical insurance
25. Free access to company holiday homes
26. Travel season ticket loans
27. Ride to work scheme
28. Free local gym access
29. Local bar / restaurant discounts
Together Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.