Job Title: Credit Underwriter Location: Fleet, Hampshire Hours: Monday to Friday, 9:00am - 5:00pm Hybrid working 3 days in the office and 2 at home after successful completion of probationary period. About Fleet Mortgages We are Fleet Mortgages, a people-focused business specialising in buy-to-let lending. We’ve been providing our fair and trusted service since 2014, and we were acquired by Starling Bank in 2021. Due to business growth we are currently looking for an additional Credit Underwriter to join our team. This role will provide vital support to all areas of the business using your technical experience and knowledge. Your day to day will be varied and could include supporting on criteria and property queries, title issues, tracing customers, Suspicious Activity Reports to fraud. In this role, you will be a point of referral on complex cases from around the business, as to whether we can consider a mortgage application. You will need to accurately analyse and understand key elements of mortgage applications, providing a balanced view as to adherence within Fleet Mortgage’s policies or making recommendations to our funders for exceptions approvals. You will 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. Some of your day to day will include: To manually underwrite portfolio and complex BTL cases. To recommend portfolio and complex BTL exception 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 Fleets 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 you will need: Strong mortgage underwriting background, with at least 5 years experience of manual mortgage underwriting. Currently or recently held a mortgage lending 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. Enthusiastic, flexible, and keen to learn and develop a career. Knowledge of CIFAS & SIRA systems would be beneficial but not essential. What we can give you: 11% non-contributory pension scheme from day 1 25 days annual leave, increasing with service You will also be able to purchase up to 5 additional days per year Private Medical Insurance Annual Discretionary Bonus Free Annual Flu Jabs Enhanced Company sick pay, increasing with service Income protection scheme Enhanced Maternity and Paternity leave and pay 2 paid days to volunteer each year (post probation) Electric Vehicle Salary Sacrifice Scheme (post probation) Retailer discount and cashback platform We take pride in our open, inclusive and collaborative culture which recognises that our staff and our customers are very much at the heart of our thriving business.