To Underwrite Mortgage Applications accurately and to a high quality. Applications will be assessed to strictly adhere to our Lending Criteria, whilst ensuring full compliance is achieved within an acceptable risk appetite.
The ideal candidate should be able to work well under pressure, operate within prescribed timescales, and show strong decision-making abilities, with experience within the Specialist BTL sector.
They will be expected to manage key relationships, (e.g. Sales, Risk, Pre-Offer & Post-Offer), but also externally (e.g. Brokers & Valuers).
The candidate will report to the Head of Underwriting and provide support to colleagues within the Underwriting Team and the wider business, managing their own pipeline effectively & efficiently to provide the right outcome for each Application.
Summary of Main duties
1. Underwrite Mortgage Applications to high standards, ensuring the Lending Criteria is adhered to.
2. Interpret CAIS/Credit data for all individual/company Applications.
3. Assess Portfolio Landlords in accordance with current regulations and guidelines.
4. Effectively, and proactively, manage their own pipeline.
5. Provide training, knowledge and assistance to colleagues when required.
6. Take ownership of complex cases and queries.
7. Plan and prioritise allocated workloads against agreed service standards.
8. Assess Applications within a prescribed Mandate...