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Mortgage Underwriter

Kind Consultancy is working with a specialist mortgage lender, which is currently seeking a Mortgage Underwriter to join them in a permanent, full-time role paying circa £37,000, based in their Kent offices with a hybrid work model (1 day per week from home).

The role centres on underwriting Mortgage Applications accurately and to a high quality, with key responsibilities including:

  • Underwriting Mortgage Applications to high standards, ensuring that the Lending Criteria is adhered to.
  • Interpreting CAIS/Credit data for all individual/company Applications.
  • Assessing Portfolio Landlords in accordance with current regulations and guidelines.
  • Effectively, and proactively, managing your pipeline.
  • Providing training, knowledge and assistance to colleagues when required.
  • Taking ownership of complex cases and queries.
  • Planning and prioritising allocated workloads against agreed service standards.
  • Assessing Applications within a prescribed Mandate level and presenting Applications to higher Mandate holders/Credit Committee when applicable.
  • Liaising with various internal departments to ensure the efficient progression of Applications.
  • Ensuring timely, accurate and appropriate responses to enquiries or correspondence from internal or external sources.

Our ideal candidate for the Mortgage Underwriter opportunity:

  • Fully understands the Mortgage process and has a strong knowledge of the Mortgage market.
  • Has a strong understanding of Microsoft Word, Excel and Outlook is essential.
  • Supports colleagues with a positive approach, seeking the best outcome.
  • Is analytically minded with high attention to quality and detail.
  • Has a minimum of 1 years underwriting experience within the Buy to Let market, although residential or commercial markets can be considered.
  • Must have previously held an Underwriting Mandate.
  • Has excellent communication skills and strong planning and problem-solving skills.
  • Has previous experience within Specialist Lending – Limited Companies, Portfolio Landlords, Ex-Pats, Holiday Lets, HMO’s, Multi-Unit Properties.
  • Participates as a team member, creating effective and professional working relationships with colleagues.

If you’re interested in the Mortgage Underwriter opportunity and you have the skills and experience we’re looking for, please apply with an updated CV today.

Post-Offer Case Manager

Kind Consultancy is working with a specialist mortgage lender, which is currently seeking a Post-Offer Case Manager to join them in a permanent, full-time role paying up to £24,000, based in their Kent offices with a hybrid work model (1 day per week from home).

The Post-Offer Case Manager will liaise with the internal underwriting, finance and risk team, as well as external solicitors and Mortgage Brokers to ensure that the firm meets all compliance standards when processing Mortgage applications, with key responsibilities including:

  • Building and maintaining effective relationships with all new and existing clients.
  • Acting as the first ‘port of call’ with any queries on all mortgage applications from Offer stage to Completion.
  • Ensuring that the organisation is giving timely, accurate and appropriate responses to telephone calls/enquiries and any other correspondence.
  • Liaising with Mortgage Brokers and Solicitors, updating them of the progress of specific cases and seeking to resolve any queries that arise.
  • Liaising with the Line Manager, escalating any specific problems for discussion and resolution.
  • Liaising with the underwriting and risk teams, ensuring that mortgage requirements and conditions are complies with and updated.
  • Inputting, updating and maintaining data onto the system accurately reflecting the current stage of each case.
  • Dealing with legal queries and documentation relating to each application.
  • Manage the diary system to monitor applications and deal with any relevant tasks.
  • Obtaining updates on the mortgage applications to ensure that they are progressing smoothly from Offer to completion.

Our ideal candidate for the Post-Offer Case Manager opportunity:

  • Has a strong track-record of Administration and/or Customer Service work, preferably within Financial Services or the Legal sector
  • Has a pro-active, problem-solving approach to their work
  • Can balance customer requirements and business requirements to produce solutions and positive outcomes
  • Is a team-player, able to build effective and professional working relationships with colleagues
  • Has strong written and spoken communication skills
  • Having some pre-existing knowledge of Mortgages and Financial Services would be desirable

If you’re interested in the Post-Offer Case Manager role, you have the skills we’re looking for and you’re based in or can commute to Kent, please apply with an updated CV today.

IT Change Risk Manager

Kind Consultancy is working with a large, successful Property Services business which is currently seeking an IT Change Risk Manager to join them in a full-time, permanent role paying £65,000 – £75,000 dependent on experience, with a hybrid work model requiring 3 in-office days per week which can be in either their Buckinghamshire or Bedfordshire offices.

The IT Change Risk Manager will provide second line oversight of IT change risk across the business with a focus on technology transformation and change initiatives, with key responsibilities including:

  • Leading the assessment of Programme and IT Change Risk as the second line subject matter expert in IT Change, with a focus on technology transformation and change programmes.
  • Assessing the effectiveness of Risk Management capabilities within specific programmes, including assessment of the documentation and management of risks; the assessment, management, and escalation of key risks and issues; the appropriateness of management responses; and the impacts of key risks to the business.
  • Developing holistic management information and reporting on the risk profile of significant IT Change programmes and the aggregate risk profile to the business arising from change.
  • Engaging and collaborating with the wider team to ensure appropriate SME input and challenge into the broader non-technology elements of change and associated Operational Risk e.g. business functionality, regulatory expectations and information risk requirements.
  • Challenging that risks associated with IT Change are appropriately assessed to consider all risk disciplines including consideration as to whether good customer outcomes are being achieved and foreseeable harm is being avoided in line with Consumer Duty.
  • Leading and delivering ’deep dive’ reviews of specific programmes and IT change deliverables to include, as required: consideration of governance arrangements; solution design and selection; testing including non functional testing, business readiness, delivery and implementation planning; and the management of activities transitioning to BAU – providing second line views and reports to programme management and wider senior management.
  • Engaging with management to highlight potential gaps in the moment, providing structured feedback and drive improvements.
  • Producing reports and MI for relevant groups, Committees and Board as required.

Our ideal candidate for the IT Change Risk Manager opportunity:

  • Holds a professional programme/change management qualification (e.g., CCMP, PMI, MSP) or IT audit (CISA) and equivalent experience of IT and change risk assessment at infrastructure, application and programme/project level.
  • Demonstrates expertise in technology risk/change risk and control practices.
  • Has outstanding communication skills (both verbal and written) and listening skills with the ability to provide constructive challenge to senior stakeholders whilst building relationships
  • Has experience in a change practitioner context, for example project or programme management, and of delivering or providing oversight over large technology transformation programmes.
  • Has experience of working in a function with responsibility for IT risk, transformation and change and of report writing appropriate for committees and ExCo level.
  • Has a strategic and commercial outlook in the context of risk management and delivering change.
  • Is a subject matter expert in IT risk, technology transformation programmes and technology change assurance.
  • Has very strong knowledge of tools, techniques, and practices for managing change and IT change risk.
  • Demonstrates a good understanding of the role of Group Risk in supporting the delivery of business objectives.

If you’re interested in the IT Change Risk Manager position and you have the skills, knowledge, experience and qualifications we’re looking for, please apply with an updated CV today.

Operations Optimisation Manager

Kind Consultancy is working with a fast-growing Motor Finance business which is currently seeking an Operations Optimisation Manager to join them in a permanent, full-time role based in their Kent offices, with a hybrid work model requiring 3 in-office days per week, paying £45,000 to £60,000.

Reporting to the Director of Customer Management, the Operations Optimisation Manager is part of the Customer Management team, with a focus on Collections strategy and key responsibilities including:

  • Acting as part of cross-functional teams which design, implement, and control processes and strategies to ensure a high standard of service to customers.
  • Collaborating and gathering detailed requirements from all levels across the business, considering the end-to-end impacts, relative business priority, impact on customers and commercial value.
  • Presenting potential solutions to meet business requirements, establishing the benefits, constraints and risks of each option in a structured way to assist stakeholder decisions.
  • Collaborating with 1st and 2nd line of defence teams to align risk management practices
  • Leading and supporting in addressing system incidents and issues in process and or strategy, proactively mitigating potential issues before they impact customers or business operations.
  • Developing and maintaining a robust incident management process to quickly investigate, respond to and resolve incidents.
  • Tracking implementation and progress of corrective actions to prevent recurrence.
  • Acting as a bridge between the Customer Management team and the analytics/technology/finance teams to design solutions that work within deadlines and resource availability.
  • Helping to drive enhancements and initiatives through the entire change lifecycle, from idea to implementation (including training, communication, and reporting), creating and tracking User Stories.

Our ideal candidate for the Operations Optimisation Manager opportunity:

Has some experience of undertaking Business Analyst or related activity, ideally in the regulated Financial Services sector.

Exhibits analytical skills and problem-solving abilities.

Continually looks to find a better way to do things and is solution and process oriented; able to understand existing processes and create new or amend existing ones to provide better business solutions.

Has excellent organisation and planning skills; a natural at multi-tasking and context switching.

Is able to communicate clearly and develop good relationships with a broad spectrum of people, including translating complex issues into plain English for consumption across the business.

Is confident and comfortable in identifying and raising issues, particularly where driving good outcomes for customers are concerned.

Has strong commercial awareness and understanding of the impacts of change.

If you have the skills, knowledge and experience we’re looking for, are based in or near Kent and are interested in the Operations Optimisation Manager role, please apply with an updated CV today.

Senior Risk & Compliance Officer

Kind Consultancy is working with a well-established Retail Financial Services business which is currently seeking a Senior Risk & Compliance Officer to join them in a full-time, permanent role paying circa £40,000 with a hybrid work model requiring 4 in-office days per week in their Leicestershire offices.

Aiding the Risk & Compliance Manager, the Senior Risk & Compliance Officer will focus on ensuring the organisation meets all relevant regulatory, risk and compliance requirements, with key responsibilities including:

  • Leading risk analysis and deep dives using quantitative data and qualitative information, presenting the results with appropriate context to enable strong decision making.
  • Being an integral part of the quarterly risk management process including supporting and running risk owner meetings and preparing and evolving management reporting
  • Organising and being a member of the Risk Management Group, recording and distributing the minutes of the meetings.
  • Providing oversight, support and guidance on risk and control matters across the organisation and providing challenge to colleagues in a professional manner when necessary.
  • Supporting the RCM and Senior Team in reviewing the organisation’s important business services. This will involve testing impact tolerances and scenarios and reviewing outsourcing and third party arrangements.
  • Overseeing the process relating to money laundering and fraud systems.
  • Considering the implementation of new compliance procedures and processes in conjunction with the Risk & Compliance Manager as relates to new regulatory requirements and codes of practice.
  • Supporting and enhancing the Risk & Compliance function, identifying and demonstrating technological solutions to improve efficiency, reviewing and challenging how the risk framework operates and making suggestions for improvements.
  • Tracking risk issue remediation and delivery to ensure efficient resolution and compliance.
  • Line management of the Risk & Compliance Assistants

Our ideal candidate for the Senior Risk & Compliance Officer opportunity:

  • Has experience of Risk & Compliance related work within a regulated Financial Services environment
  • Holds GCSE Maths and English Grade A-C or equivalent (holding a Risk-related professional qualification would be desirable)
  • Has excellent communication skills (both written and verbal)
  • Demonstrates excellent attention to detail with a passion for producing quality work
  • Is flexible, positive, hardworking and reliable, with a collaborative approach
  • Is able to coach and feedback effectively – past experience of managing and leading would be beneficial
  • Has good computer skills and is a confident user of Microsoft Office products

If you have the skills and experience we’re looking for, you’re based in or can commute to Leicestershire and you’re interested in the Senior Risk & Compliance Officer role, please apply with an updated CV today.

Complaint Handler

Kind Consultancy is working with a fast-growing Motor Finance firm which is currently seeking a Complaint Handler to join them in a full-time, permanent role based in their Kent offices, paying up to £27,000.

The Complaint Handler will focus on timely and accurate administration of any complaints received by the company from introducers and customers, ensuring all responses are completed in line with the current FCA and CCA regulations and the company’s policies and procedures, with key activities including:

  • Ensuring that all inbound complaints are thoroughly investigated within regulatory time frames
  • Openly and fairly reviewing each customer complaint without bias or personal opinion
  • Taking ownership throughout the decision-making process, communicating your reasoning, ensuring all obligations with relevant legislation are met, including the Consumer Credit Act, FCA, FOS and the FLA code of practice
  • Establishing telephone contact with customers to gain a full understanding of their complaint in order to progress to a fair outcome as quickly as possible
  • Building excellent relationships with 3rd party service providers, dealer networks and the sales team to review and resolve any quality concerns
  • Maintaining the complaints database with correct and relevant information at all times
  • Ensure all regulatory responses are issued correctly and on time

Our ideal candidate for the Complaint Handler opportunity:

  • Has experience of working within the motor finance industry with a minimum of 12 months handling vehicle quality issues and complaints
  • Has good knowledge the FCA’s Conduct Rules, particularly treating customers fairly (TCF) and the Consumer Duty,  and of GDPR and the DPA act
  • Is able to understand and comply with documented processes, policies and procedures
  • Has excellent verbal and written communication skills, including the ability to make customers feel heard and understood
  • Has a good educational background with demonstrable proficiency in Maths and English
  • Is Computer Literate, including MS Office products and E-mail

If you’re interested in the Complaint Handler opportunity, you’re based in or can regularly commute to Kent, and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

Collections Account Manager

Kind Consultancy is working with a fast-growing Motor Finance firm which is currently seeking a Collections Account Manager to join them in a full-time, permanent role based in their Kent offices with a hybrid work model, paying up to £27,000.

Reporting to the Collections Team Leader, the Collections Account Manager will support customers who have outstanding payments, helping them to take steps to manage any missed payments, with key responsibilities including:

  • Responding to telephone and email queries from customers who are experiencing financial difficulties, finding suitable payment solutions for any missed payments
  • Collecting card payments, or setting up payment plans, working with other specialist teams to support the customer
  • Demonstrating compassion and understanding towards customers in vulnerable circumstances, ensuring that all vulnerable or potentially vulnerable customers are managed appropriately
  • Accurately recording conversations and administrative actions within the relevant systems
  • Identifying Expressions of Dissatisfaction and potential complaints, recording these accurately and passing them to the relevant team

Our ideal candidate for the Collections Account Manager opportunity:

  • Is a team-player with strong interpersonal skills, able to establish effective working relationships
  • Has past experience of Collections work within Financial Services
  • Is comfortable and confident in identifying and raising issues, particularly where driving good outcomes for customers are concerned
  • Demonstrates a sense of urgency and good work ethic, maintaining a consistently high level of attention to detail
  • Has excellent customer service skills and the communication skills needed to make customers feel heard and understood
  • Is a competent user of Microsoft Office products
  • Is professional and well presented

If you’re interested in the Collections Account Manager position, you’re based in or can commute to Kent, and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

Compliance Manager

Kind Consultancy is working with a major Financial Services institution based in London which is currently seeking a Compliance Manager to join them in a full-time, permanent role paying up to £85,500.

Reporting to the Head of Risk and Compliance, the Compliance Manager will provide assurance to senior management that the organisation is operating in a compliant manner, with key responsibilities including:

  • Ensuring compliance with all internal policies (including Financial Crime, Conduct and Data Protection), regulatory requirements (FCA Handbook and PRA Rulebook) and applicable corporate laws.
  • Carrying out horizon scanning of the regulatory environment for changes which may impact the organisation.
  • Managing, improving and maintaining the Compliance Framework by gathering insight and researching best practices, whilst ensuring it is appropriately tailored to the organisation’s objectives.
  • Conducting reporting to drive efficiencies and inform compliance reviews.
  • Reporting to management, outsourced Partners, Executive team and the Board and its Committees giving detail on compliance activity, therefore data analysis and insights is key.
  • Building relationships at all levels to achieve desired outcomes whilst delivering challenging messages.
  • Providing expert insight in understanding root cause of failure and working across the organisation to provide solutions to minimise non-compliance.
  • Contributing to the wider success of the Risk and Compliance Team by sharing outputs regarding any identified emerging trends (thematic or new risks) to ensure preventative action can be taken.
  • Represent the organisation at engagement meetings with Financial Authority partners and at external forums
  • Remaining up to date with relevant compliance topics.
  • Participating in the management of incidents through the implementation of the Incident and Crisis Management Framework.

Our ideal candidate for the Compliance Manager opportunity:

  • Has detailed knowledge and practical experience of creating and operating compliance frameworks
  • Has a good understanding of Financial Services claims processes, compensation rules and the wider UK Financial Services sector
  • Has the ability to interpret and analyse data
  • Is able to build relationships including at Executive level, whilst delivering difficult messages
  • Demonstrates strong stakeholder management skills and is able to maintain effective relationships across the three lines of defence
  • Has management experience and the ability to drive change in challenging circumstances
  • Has excellent presentational and communications skills; oral, written, report writing

If you’re interested in the Compliance Manager opportunity and you have the knowledge, skills and experience we’re looking for, please apply with an updated CV today.

Mortgage Product Manager

Kind Consultancy is working with a well-established Retail Financial Services firm which is currently seeking a Mortgage Product Manager to join them in a full-time, permanent role paying £45,000 – £50,000 with a hybrid work model requiring 1 in-office day per week in the organisation’s Leicestershire offices.

The Mortgage Product Manager will identify and develop propositions for the organisation’s Mortgage products, with key responsibilities including:

  • Mortgage product pricing, proactively pursuing ideas to help the organisation achieve its annual mortgage growth target
  • Owning and developing rigorous ongoing performance analysis of all products to make convincing product recommendations
  • Managing the end-to-end process for all mortgage product launches (including completing PATs, verifying products, and ensuring all governance is completed)
  • Continually reviewing the Mortgage market with a keen eye on comparable competitors
  • Completing all Fair value assessments for individual & product groups
  • Responsible for fair value assessment reviews (3 monthly and annually) maintaining logs and ensuring all are completed on time.
  • Researching and developing research papers for new areas or improving current products
  • Working with the National Account manager to understand feedback from intermediaries and how the business can support them with product development and offer value to members
  • Attending and actively contributing to product/service governance forums as appropriate
  • Identifying mortgage opportunities that meet with the organisation’s retention, acquisition, and pricing strategies.

Our ideal candidate for the Mortgage Product Manager opportunity:

  • Has substantial previous experience in mortgage product design, proposition and pricing.
  • Demonstrates very strong knowledge of residential, Buy2Let and self-build mortgages products and propositions.
  • Has experience as an attendee of a Product, Pricing and Governance (PPG) or equivalent, with responsibility for preparation and input to committee papers.
  • Has excellent communication and presentation skills, with the ability to discuss complex matters with a variety of audiences including committees and senior management
  • Is a critical thinker, always seeking opportunities to innovate.
  • Has exceptional attention to detail and right first-time approach.
  • Is proficient in Excel, with strong organisational skills and the ability to multi-task.

If you’re interested in the Mortgage Product Manager opportunity and you have the skills and experience we’re looking for, please apply with an updated CV today.

Asset Finance Underwriter

Kind Consultancy is working with an established specialist Asset Finance lender which is currently seeking an Asset Finance Underwriter to join them in a permanent, full-time position paying up to £60,000 with a hybrid work model requiring 2 days per week in-office in the Lancashire area.

Reporting to the Head of Credit for Asset Finance, the Asset Finance Underwriter will focus on drafting and presenting structured credit proposals, with key responsibilities including:

  • Performing credit reviews and researching industry and customer-related information for all new proposals and reviews of existing customers, as well as proactively monitoring industry and sector trends for early warning signals.
  • Achieving a timely turnaround of credit proposals and reviews, in accordance with pre-agreed SLAs.
  • Liaising with fellow Senior Underwriters and colleagues from the Credit & Risk department, as well as the Sales and Operations teams in relation to credit proposals; satisfaction of conditions precedent prior to referring for payout; and assisting in ongoing monitoring of clients’ financial performance to ensure compliance with covenants in place.
  • Building and developing relationships with existing and potential Introducers, Suppliers and Valuers in order to maximise future opportunities for the Business.
  • Assisting in the production of underwriting management reports, including client exposures, asset concentration; and other ad hoc reports as required.

For the Asset Finance Underwriter opportunity we’re looking for candidates who:

  • Are able to write structured credit proposals in line with agreed timescales.
  • Have previous credit risk experience at a financial services provider (not necessarily in an asset finance environment)
  • Have good knowledge of finance products
  • Possess effective time-management abilities and the ability to manage multiple priorities.
  • Are strong communicators and relationship builders
  • Demonstrate strong attention to detail and accountability

If you have the knowledge, skills and experience we’re looking for, you live in or can commute to Lancashire and you’re interested in the Asset Finance Underwriter opportunity, please apply with an updated CV today.

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