Underwriter - Secured Loans

JR United Kingdom; Basildon; Remote; GBP 34,000 - 40,000; Full time

Job summary

A prominent financial services leader seeks an experienced Underwriter / Case Manager for their Secured Loans team in Basildon. The position entails assessing and underwriting loan applications while ensuring compliance and optimizing customer outcomes. This role offers a competitive salary up to £40,000 with a flexible work-from-home option and a comprehensive benefits package.

Benefits

Paid holiday

Flexible benefits portal

BUPA health insurance

Qualifications

• 5+ years experience in secured loan underwriting within a brokerage.
• Proven ability to creatively repackage cases and find solutions.
• Experience working to strict customer deadlines.

Responsibilities

• Assess and underwrite secured loan applications against lending criteria.
• Conduct thorough risk assessments and make informed lending decisions.
• Work collaboratively with case managers and brokers.

Skills

Analytical skills

Communication

Decision-making skills

Risk assessment capabilities

Attention to detail

Education

CeMAP or part CeMAP qualified

Job description

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Our client is a household name and an established leader within their niche, employing circa 180 people across the UK. As an innovative disruptor within financial services, our client has built a bespoke cutting-edge platform, which enables their underwriters to work efficiently and at a high volume.

Due to year-on-year growth, our client is actively seeking an experienced ambitious Underwriter / Case Manager to join their successful Secured Loans team.

The purpose of this position is to assess and underwrite secured loan applications, with a particular focus on repackaging cases that do not initially fit standard criteria to find suitable solutions for customers. You will be responsible for the full underwriting journey, ensuring a quick, simple and smooth experience for clients while maintaining robust risk assessment standards.

Key Responsibilities

• Assess and underwrite secured loan applications against lending criteria
• Repackage and restructure cases that don't initially fit to create viable solutions for customers
• Conduct thorough risk assessments and make informed lending decisions
• Work collaboratively with case managers and brokers to optimize application outcomes
• Ensure compliance with regulatory requirements and company policies
• Meet strict customer deadlines while maintaining quality standards
• Provide clear rationale for decisions and alternative solutions where appropriate
• Contribute to process improvements and policy development

Requirements

• 5+ years experience in secured loan underwriting within a brokerage - Essential
• Proven ability to creatively repackage cases and find solutions for complex applications
• Strong understanding of whole of market secured lending products
• Experience working to strict customer deadlines
• CeMAP or part CeMAP qualified (not essential but advantageous)
• Excellent analytical, communication and decision-making skills
• Strong attention to detail and risk assessment capabilities
• Ability to work independently in a remote environment

As the successful applicant you will be rewarded with a competitive salary up to £40,000 and an excellent commission structure.

Work from home - our client will provide a laptop and necessary equipment/software which will enable you to excel.

The comprehensive benefits package includes:

• Paid holiday
• Access to a flexible benefits portal where you can pick and choose the benefits that work for you
• BUPA health insurance