Underwriter

www.topfinancialjobs.co.uk - Jobboard; Bournemouth; Hybrid; GBP 30,000 - 50,000; Full time

Job summary

An established industry player is seeking a skilled Mortgage Underwriter to join their dynamic team in Bournemouth. This role involves assessing loan applications and managing a pipeline from assessment to completion, ensuring exceptional customer service throughout. The ideal candidate will have a solid understanding of the mortgage intermediary market and regulatory environment, with at least 12 months of underwriting experience. The company offers a supportive work environment with career progression opportunities and benefits such as flexible working arrangements and generous annual leave. If you're proactive and passionate about delivering outstanding service, this is the perfect opportunity for you.

Benefits

Referral programme

Work from home 1 day a week

25 Days Annual Leave + Bank Holidays

Death in Service (4 x Salary)

Healthy Snacks

Mindfulness sessions

Career progression

Qualifications

• At least 12 months experience in mortgage underwriting.
• Recognized industry qualifications preferred but not essential.

Responsibilities

• Assess and manage bridging/refurbishment loan applications.
• Ensure compliance with financial regulations and guidelines.

Skills

Mortgage Underwriting

Customer Service

Regulatory Knowledge

Credit Risk Assessment

Communication

Education

CeMAP

CeRCC

Tools

MS Office

Credit Risk Decision Systems

Job description

Mortgage Underwriter, Bournemouth

We re seeking an experienced mortgage/bridging finance underwriter to join our existing short term lending credit team, based on the south coast, in Bournemouth.

Key Responsibilities:

• Assess Bridging/Refurbishment loan applications.
• Manage their own pipeline from initial assessment through to completion.
• Provide effective communication to all parties, including introducers and/or applicants, ensuring exceptional customer service at all times.
• Work with the wider team so that agreed targets and objectives are met.
• Provide feedback on policies and process to highlight possible improvements or concerns.
• Utilise experience to provide rationale for applications outside of agreed lending criteria.
• Ensure that you adhere to the principles of Treating Customers Fairly, the Prevention of Financial Crime (including AML, identification and reporting of fraud), undertaking and maintaining online training through Compliancy Services.

Requirements:

• You will ideally have been working in a similar role, for at least 12 months, and hold recognised industry qualifications (CeMAP, CeRCC) but qualifications are not essential.
• Experience of the mortgage intermediary market, its products and processes.
• Current lending mandate.
• A detailed understanding of complex BTL lending types.
• Manual BTL mortgage underwriting experience.
• Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment.
• Demonstrable understanding of TCF, responsible lending and regulatory knowledge.
• Able to demonstrate a proactive, hardworking, flexible attitude and able to work under own initiative but also as a member of the wider team.
• Proficient in MS Office, credit risk decision systems or ability to learn new systems.

Experience:

• Underwriting: 12 months (required)

Benefits:

• Referral programme
• Work from home 1 day a week
• 25 Days Annual Leave + Bank Holidays. Annual Leave increases by 1 day per full year up to a max of 30 Days
• Death in Service (4 x Salary)
• Healthy Snacks
• Mindfulness sessions
• Career progression

Schedule:

• 9.00am to 5.30pm Monday to Friday Full Time