Underwriter - Secured Loans

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

Job summary

A leading financial services company is seeking an experienced Underwriter / Case Manager for its Secured Loans team in Cardiff. The successful candidate will be responsible for managing the underwriting process, ensuring compliance with lending standards while delivering excellent customer service. This remote role offers a competitive salary and comprehensive benefits package.

Benefits

Paid holiday

Flexible benefits portal

BUPA health insurance

Qualifications

• 5+ years experience in secured loan underwriting within a brokerage.
• Strong understanding of whole of market secured lending products.
• Ability to work independently in a remote environment.

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.

Skills

Analytical skills

Communication

Decision-making

Attention to detail

Risk assessment

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