Our client is a fast growing specialist retail lending and savings group serving the UK and is authorised by the PRA and regulated by the FCA. They have built a strong reputation as a specialist lender offering a broad range of products to UK SME’s and consumers including Residential, Buy-To-Let/SME Mortgages and Personal Loans.
The core responsibility of the Underwriter roleis the examination of all information necessary to complete a Commercial and B2L mortgage loans and the initiation of any contact that may be required of the client/broker/institution that may be necessary and the prevention of any potential fraud.
· Building and maintaining relationships with brokers/intermediaries
· Training brokers/intermediaries in systems, procedures and policies
· Responding to incoming customer telephone calls, identifying and then meeting customer requirements whilst providing a polite, professional and accurate response
· Promptly and accurately completing all related underwriting/administration activities
· The receipt and request of any outstanding documentation required to complete customer applications
· Updating brokers where required as to any action taken with customer applications
· Ensuring the successful and accurate completion of a customer’s application
· Carrying out Credit Reference checks when required on all applicants
· Completing the underwriting checklist accurately and then obtaining a manager’s sign off
· Ensuring the diary is chased accurately and promptly on a daily basis
· Ensuring compliance with the company’s book of instructions, standards and regulations
· Complying with Money Laundering/Fraud Prevention/Data Protection/FSA/CCA regulations
· Ensuring your own individual compliance with the company’s TCF policy
· Maintain the company’s compliance standards and own compliance training
The successful candidate will have:
· 1yrs+ previous experience of working closely with brokers/intermediaries is desirable
· 1yrs+ previous experience in a manual underwriting environment
· Good understanding of credit reporting systems (with an ability to read, interpret and apply information obtained) would be advantageous
· Good working knowledge of Microsoft applications (in particular Word and Excel) is essential