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This is a hybrid role working 3 days in the office (City of London location) and 2 days working from home.
Role Purpose:
To provide the BTL team with independent and objective assurance designed to add value to the BTL process. To approve new mortgage applications within the Standard, Professional and Portfolio BTL product offering.
Responsibilities:
* Establish close working relationships with the BTL Underwriting and Credit functions.
* Provide input to, and approval of, Credit decisions within own delegated mandate to ensure prudent growth in the portfolios achieved and underwriting in line with Credit Policy
* Underwrite a higher risk profile of mortgage applications.
* Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual mandate level.
* Act as a referral point for other mortgage underwriters within team, and complete coaching and training activities where required.
* See beyond the individual components of an application and consider the broader customer outcome and need.
* Manage new applications, incoming post and pre-submission referrals within set service standards.
* Proactively manage an assigned pipeline of applications from receipt to completion
* Liaise with a pre-approved panel of Introducers to provide quick, accurate and reliable underwriting decisions.
* Adhere to internal policy and regulatory requirements - FCA, PRA, AML, Prevention of Financial Crime, Data Protection etc.
* Undertake project and ad-hoc pieces of work at management request
Skills and Experience sought
Essential Experience
* 5-10 years previous underwriting and/or credit exposure within the BTL/PBTL market
* Worked within a regulated environment
* Managing and prioritising own workload
* Liaising with Introducers and/or external customers
* Currently holds a non-entry level lending mandate
Desirable Experience
* CeMAP qualified
Remuneration and Benefits:
* competitive salary and bonus package
* matched pension contributions up to 7%
* 26 days annual leave plus two wellbeing days and opportunity to purchase additional holiday
* flexible and hybrid working
* private medical insurance via Vitality
* life, income protection and critical illness insurance
* enhanced family leave pay
* extensive learning and personal development opportunities
* electric car scheme and cycle to work scheme
* season ticket loan
* wellbeing support - discounted gym membership, employee assistance programme, 24/7 private GP access for staff and their immediate family (online), 1:1 key life stage coaching
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