Job Title: Credit Underwriter
Location: Fleet with some flexibility to work from home up to 2 days a week once probation is passed
Salary: Depending on experience
Hours: Monday to Friday 9 am to 5 pm
Benefits:
* 25 days annual leave plus bank holidays
* Holiday purchase scheme
* Extra day off on your birthday
* Private Medical Insurance through AXA Health
* 11% non-contributory pension scheme with the option to salary sacrifice
* Enhanced Maternity, Paternity and Adoption pay
* Life Assurance
* Income Protection
* Employee Assistant Programme
* Extensive Learning and Development opportunities
* 2 days paid volunteering each year
* Electrical Vehicle Salary Sacrifice Scheme
About our Client:
Our client is a Buy-to-Let specialist lender that has been leading the way since 2014. They are committed to using the power of data-driven insights to fuel innovation. Aspiring professionals have the opportunity to study the CeMap alongside working to enrich their expertise and pave the way for a successful career journey.
The office space features prayer rooms, breastfeeding rooms, and quiet spaces, ensuring that every individual has a comfortable and inclusive environment.
About the Role:
The successful candidate will provide vital support to all areas of the business, including criteria, property queries, title issues, tracing customers, and Suspicious Activity Reports related to fraud.
You will be a point of referral on complex cases from around the business, determining whether the company can consider an application. You will accurately analyze and understand key elements of all mortgage applications while ensuring adherence to all policies. For cases that are of good quality but outside policy, you will recommend them to funders as exceptions for approval.
Additionally, you will help protect the company from the risk of fraud by using anti-fraud systems such as CIFAS and SIRA to investigate and act upon information received in a timely manner.
Responsibilities:
* Manually underwrite portfolio and complex BTL cases.
* Recommend portfolio and complex BTL cases to the Funder.
* Assist in maintaining and updating the lending policy by researching and recommending policy changes.
* Develop and maintain cooperative relationships between all internal stakeholders, including Underwriting and Sales teams, and investigate all referrals professionally.
* Work with fraud systems such as CIFAS, SIRA, and Hunter to mitigate potential losses.
* Investigate suspicious alerts identified by fraud prevention systems.
* Exercise personal lending discretion when assessing exceptions.
* Carry out Broker reviews, liaising with sales before the removal of a Broker.
* Assist in preparing Management Reports, ensuring they are prepared in time for Exco or Credit Committee meetings.
Experience required:
* Current or previous experience working within the mortgage industry with a strong mortgage underwriting background, preferably with at least 5 years of underwriting experience and having currently or previously held a mandate.
* Proven ability to exercise good commercial and professional judgment.
* Effective communication skills, both written and verbal.
* Good attention to detail.
* Adaptive to ongoing change.
* PC literate with knowledge of Microsoft Office products.
* Enthusiastic, flexible, and keen to learn and develop a career.
* Knowledge of CIFAS and SIRA systems would be beneficial but not essential.
For more information regarding the role of Credit Underwriter, please contact us.
Stellar Select is acting as an employment agency and is a corporate member of the REC.
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