Kind Consultancy is working with a growing alternative Financial Services business which is currently seeking a Buy to Let Underwriter to join them in a full time, permanent position with a hybrid work model based out of their offices in the Birmingham area, paying up to £60,000.

The Buy-to-Let Underwriter will assess new BTL lending applications for risk and quality, whilst adhering to the firm's policies and risk appetite, with key responsibilities including:

• Analysing loan applications to support intermediaries and their customers, reviewing documentation for completeness and adherence to credit policy.
• Ensuring compliance with legislation and regulatory requirements.
• Making timely decisions, asking for further information where needed.
• Acting as a primary point of contact for queries in relation to underwriting decisions, both with internal and external stakeholders.
• Confidently providing feedback on the quality and wholeness of applications.
• Consistently working in an efficient and productive manner, being curious and raising opportunities for process improvements, with perspective from a colleague and an intermediary viewpoint.
• Producing clear and concise risk analysis and developing and maintaining underwriting procedures.
• Providing an excellent standard of customer service, contributing effectively to Service Level Agreements (SLAs) and Objectives and Key Results (OKRs).

Our ideal candidate for the Buy-to-Let Underwriter opportunity:

• Has 3 years of experience underwriting simple and complex BTL products, with a proven critical analysis of information pertaining to the financial standing of prospective borrowers.
• Currently holds a Delegated Lending Authority (DLA) of at least £500,000.
• Is able to underwrite manually across multiple BTL types i.e. portfolio landlords, HMO and MUB properties, limited company and LLP entities.
• Has a strong understanding of regulatory requirements, including the Prudential Regulatory Authority (PRA) and the FCA Handbook.
• Displays consistently high attention to detail, and sound and reasoned judgement, based on an independent and thorough analysis of facts and relevant factors, including internal policies and regulations.
• Works well in a team environment and builds strong working relationships with peers to contribute to team goals.
• Is an effective communicator and talented collaborator, who can bring colleagues together to reach the best way forward for the customer and the business.
• Demonstrates strong numerical and time management skills
• Is a confident user of Excel with an understanding of intermediate calculations.

If you're interested in the Buy-to-Let Underwriter opportunity, you have the skills, knowledge and experience we're looking for, and you're based in or can commute to the West Midlands, please apply with an updated CV today.