Mortgage Underwriter

£30,000-£40,000

Hybrid/Remote working

The Opportunity:

Due to continuous growth, an exciting opportunity has come available for a Mortgage Underwriter to join a new division of a well-known Financial Services company.

As a Mortgage Underwriter, you will focus on viewing and assessing mortgage applications to determine whether they meet the criteria of the companies lending policies and regulatory requirements.

If you are looking for an exciting opportunity to work for a growing company that offers a great work culture and progression opportunities, please apply today!

Key Responsibilities:

• Evaluate mortgage applications and assess the financial stability, creditworthiness, and risk profile of applicants
• Stay updated on industry trends, market conditions, and regulatory changes that may impact mortgage underwriting processes
• Interpret complex financial information and make sound underwriting decisions while adhering to company guidelines and regulatory requirements
• Apply mortgage mandate to mortgage applications and mortgage referrals against the lending policy
• Manually underwrite cases in line with purpose led lending
• To process a range of supporting documentation within agreed policy, achieving required effectiveness and accuracy objectives and with agreed service levels

Skills and experience:

• The role requires an individual to hold a minimum of 2 years practical underwriting experience and possess a current lending mandate
• Extensive knowledge of the Lending policy including the ability make decisions based on an assessment of risk and policy
• Able to communicate effectively and professionally, both verbally and in writing with a variety of different audiences
• Effective time management, ability to prioritise workloads, the ability to work under pressure and to strict deadlines
• Full CeMAP qualifications would be desirable
• Ability to work effectively as a member of the team
• General understanding of current mortgage products

Benefits:

• 33 days holiday (Including bank holidays)
• Company Pension
• Annual Salary review
• Anniversary rewards when hitting milestones
• Company Share Schemes

Job title: SME Portfolio Underwriter

Salary: Up to £50,000

Location: Cardiff/Bristol/Birmingham

Working Model: Hybrid

The Opportunity:

Due to continuous growth, an exciting opportunity has arisen for a SME Underwriter to join the Business Underwriting team at a well-known Financial Services company.

As an SME Underwriter, you will play a key part in leveraging your insights to drive strategic portfolio growth and development. Your contributions are crucial in shaping the digital, adaptable and innovative insurance products, keeping them at cutting edge of industry trends.

If you would like to work for a company that can offer great career progression and a good work culture, then please apply today!

You will be:

• Making informed decisions by a comprehensive understanding of underwriting guidelines.
• Assessing risks and sculpting portfolio strategy, ensuring they stay aligned with strategic objectives.
• Building and maintaining relationships with Brokers.
• Analysing statistical data to support with decision making and continuous improvement.
• Offering technical support on underwriting issues, ensuring our decisions are based on solid underwriting principles.

Your experience:

• Good Understanding of SME package Insurance and portfolio underwriting.
• Proficient in management and decision-making.
• Strong problem-solving skills with a strategic mindset to identify opportunities and overcome challenges.
• Skilled in analysing statistical data to inform strategic decisions.
• Able to thrive in a dynamic and fast-paced environment.

Benefits:

• 33 days holiday (Including bank holidays)
• Company Pension
• Annual Salary review
• Anniversary rewards when hitting milestones
• Company Share Schemes

Loan Portfolio Manager

Industry: Financial Services
£60,000 per annum + bonus + benefits

Role overview:

The Loan Portfolio Manager is responsible for managing the loans and working with other members of the loan management team to ensure that all loans are performing as expected.

THE ROLE:

• Using compliance checking tools such as Experian, GBG, Smart Search and Lexus Diligence for KYC processes to ensure the customer is suitable to be given a loan.
• Managing cases after they have been passed from underwriting and ensure that we have all required documentation prior to funds being released.
• Discussing cases and audit reports with underwriters to ensure they are aware of the points reported on the audit and satisfied prior to loan completion.
• Check and prepare COT.
• Maintain interest collections for all loans – ensure they are paid on time to the respective SPV bank accounts.
• Check legal documents and compile investor and borrower signatures both pre & post completion – Check Post completion packs are satisfied.
• Liaise with clients and solicitors for the redemption of upcoming loans.
• Ensure the full collections, redemption’s and default loans policy is meet on all loans as per the policies.
• Final month end sheet(s) to be given to investment officer by 30th day of each month.

Email your CV or use the apply feature on this page. Email: [email protected]

KEY SKILLS: Loans, Portfolio Management, Underwriting, Bridging Loans, BTL, Compliance

Are you an experienced underwriter seeking a new challenge, and the ability to work from home full time? Are you enthusiastic about underwriting and eager to join a dynamic team? Are you looking for a career with strong progression opportunities? If so, a leading financial services company is looking for an experienced Underwriter to join their experienced team.

The successful candidate will be able to work fully remote.

Your Responsibilities

• Create and maintain business relationships
• Participation in process improvement
• Work closely with the Head of Underwriting and underwriting team
• To underwrite new and existing business
• Maintain awareness of the importance of risks within the company, and bring matters of concern to the head of underwriting
• Support the underwriting team, continually reviewing practices

About You

• Be experienced with a strong protection background
• Have experience of working within an underwriting team with an elevated level of authority for income protection products
• Excellent IT skills
• Excellent written and verbal communication skills
• Maintains knowledge, keeping up with CPD, industry and market changes
• Able to communicate routine/complex/sensitive information internally and externally

Are you an underwriter seeking a new challenge, and the ability to work from home full time? Enthusiastic about underwriting and eager to join a dynamic team? Looking for a career with strong progression opportunities? If so, a leading financial services company is looking for an Initial Underwriter to join their highly experienced team. This role is open to Initial, Junior and Triage underwriters. All experience levels are welcome!

The successful candidate will be able to work fully remote.

Your Responsibilities

• Create and maintain business relationships
• Initial application underwriting
• Work closely with the Head of Underwriting and underwriting team
• Managing underwriting enquiries
• Maintain awareness of the importance of risk management, bringing any matters of concern to the Head of Underwriting

About You

• Previous experience in a financial services role, or able to demonstrate previous medical experience
• Previous experience as an Initial/Junior/Triage Underwriter
• Previous Income Protection experience is desirable
• Excellent customer service skills
• Maintains knowledge, keeping up with CPD, industry and market changes
• Able to communicate routine/complex/sensitive information internally and externally

Responsibilities include:

• Evaluating financial data to make effective underwriting decisions on all types of financial cover for customers within agreed SLAs.
• Analysing and reviewing any additional information from customers to evidence your decision.
• Being responsible for Underwriting proposals within an approved mandate limit for each individual application.
• Offering advice and guidance to support the application process for best customer and company outcomes.

Skills and Experience Required:

• A Mathematics or Financial related Bachelors degree.
• An active interest in an underwriting career.

We have a variety of Permanent and Fixed-Term contracts available, offering a salary of £30,000 to £36,000 (Depending upon experience) and an exceptional benefits package including annual bonus, health insurance and pension scheme.

Apply or contact [email protected]