Let us tell you a bit about us We’re Aldermore – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it. We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose MotoNovo Finance every week to buy their next car, van or motorbike. This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose. Let us tell you a bit about the opportunity Our Underwriting teams review and manage mortgage applications from initial decision stage through to completion and release of funds. The primary role of the Underwriter is working with company lending policies to determine the level of risk for each applicant within parameters of business policies and processes, while presenting all mitigants to support the decision to lend. Our Underwriting teams are based across our Wilmslow and Manchester sites so you can choose to work from either location. To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business. What will your day look like? Applying aptitude to structuring detailed lending rationale for each case, demonstrating exceptional ability to interpret information, apply necessary affordability tests and construct risk mitigants to support lending. To employ specialist data, from credit reference agencies, fraud prevention agencies and necessary mortgage and market databases to build and package the mortgage application Detailed knowledge of Specialist buy-to-let lending in order to interpret and asses all key factors, demonstrating comprehension for the level of risk and supporting collateral. Ability to underwrite manually according to both residential and buy-to-let lending policies. Underwrite to external scheme rules or third party requirements, such as government schemes (HTB) or high LTV product policies. Interpretation of mortgage market and economic factors to ensure external risk factors are understood relative to each case underwritten Ability to assess and underwrite applications ranging from £25k to £1m aggregated exposures, across a range of mortgage types, including owner occupied and standard buy-to-let. What do we expect from you? Existing or recent mortgage underwriter with experience of holding a lending mandate Knowledge of the mortgage market – including owner occupied, private rental sectors. Experience of working with Intermediaries and direct customers Experience of working to package and asses mortgage applications To ideally have held a lending mandate covering either owner occupied or buy to let/company lending Having a proactive approach, with a keen desire to provide excellent customer service, and delivery for our customers What can you expect from us? A friendly and flexible culture, the same as how we work with our customers. Hybrid working policy - 2 days per week onsite with either Wilmslow / Manchester office as your base A growing organisation that means there’s lots of opportunities to progress A drive for continuous improvement, which you will be empowered to get behind from day one. And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential. Still curious? Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave. Please note that we have a thorough referencing process, which includes criminal record checks. The Company We champion equality by supporting the exceptions to the rule and getting finance to where it’s needed. We lend the money people save with us, to people who want to get on in life; build businesses and create employment, buy property for people to live and work in, and purchase vehicles to move families and goods around. Behaviour Framework Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles. The Benefits As you would expect, we offer a competitive basic salary and reward package, and you’ll also benefit from our commitment to investing in your professional development throughout your journey with us. Benefits vary across the business depending on the role you do, but these will give you an idea of what to expect: Discretionary bonus scheme Aviva Digital GP Bus And Tram Benefit Employee Assistance Programme Eyecare Voucher & Display Screens/Desk Set-Up Flu Jab Vouchers Group Income Protection Life Assurance Metrolink Annual Pass & Clipper Ticket Microsoft Discounts Private Medical Insurance Shopping Discounts Toothfairy Your Workplace Pension Hybrid Working Critical Illness Cycle To Work Dental Insurance Give As You Earn Government Tax-Free Childcare Scheme Octopus Electric Vehicles Save Our Planet Season Ticket Loan Spouse Or Partner Life Assurance Technology Wearable Technology Wellbeing App Will Writing Documents