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.

Buy-to-Let Underwriter

Kind Consultancy is working with a growing Financial Services firm which is currently seeking an Underwriter to join them in a full-time, permanent role in their Hertfordshire office focussing on Buy-to-Let Mortgages.

The Buy-to-Let Underwriter will take ownership of allocated buy-to-let mortgage cases from inception through to completion with key responsibilities including:

  • Entering and updating borrower data on a lending platform.
  • Ensuring all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
  • Carrying out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
  • Providing concise and accurate updates to brokers.
  • Proactively chasing brokers for outstanding requirements.
  • Ensuring all underwriting is in line with Company policy and within regulation and all cases are Underwritten within the Groups Risk appetite.
  • Building good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Maintaining a pipeline of cases, overseeing cases from inception through to completion.

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

  • Is experienced in underwriting buy-to-let mortgage applications
  • Has a good understanding of FCA regulations
  • Has consistently excellent attention to detail and strong communication skills – both written and spoken
  • Holding CeMAP would be desirable but is not essential

If you have the skills and experience we’re looking for, you’re based in or can commute to Hertfordshire and you’re interested in the Buy-to-Let Underwriter opportunity, 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.

Complaints Team Leader

Kind Consultancy is working with one of the UK’s leading Motor Finance firms which is currently seeking a Complaints Team Leader to join them in a full-time, permanent role based in their Manchester office, paying up to £35,000 with a hybrid work model requiring 2 in-office days per week.

The Complaints Team Leader will to lead, manage and motivate a team of Complaint Handlers, with key responsibilities including:

  • Managing the day-to-day organisation and co-ordination of work for the team
  • Review and manage team performance daily and implementing necessary measures to grow the team’s performance
  • Accountability for the team performance, with the ability to motivate and deliver to a team target
  • Deliver upon our customer metrics to maintain a high level of customer satisfaction
  • Have a keen eye for process control and improvements, with the ability to suggest ways to create efficiencies within the department
  • Ability to supply the senior management team with progress data, management information and KPI performance stats
  • Working closely with our Training and Quality Assurance Teams
  • Completing various people management tasks including performance meetings, disciplinaries, review and reward meetings
  • Setting and maintaining effective service levels within the department to ensure efficiencies are achieved

Our ideal candidate for the Complaints Team Leader opportunity:

  • Must have a strong understanding of the Financial Conduct Authority rules and complaint handling guidelines
  • Must also have experience of complex complaint handling
  • Has excellent team building and people skills, with a track record of motivating and coaching team members to maximise perfomrnace
  • Is highly organised with the ability to prioritise and work to strict deadlines
  • Has an aptitude for analytics  with the ability to interpret management information i.e. spot trends, understand how to use to benefit / drive performance.
  • Is IT literate with experience of Microsoft applications
  • Has good written and oral communication skills and presentation skills and is highly numerate
  • Having past experience of work within Motor Finance would be highly advantageous

If you’re interested in the Complaints Team Leader role, you’re based in or can commute to Manchester and you have the skills and experience we’re looking for, please apply with an updated CV today.

Reconciliation Executive

Kind Consultancy is working with an already successful and still growing receivables management and debt collection firm, which is currently seeking a Reconciliation Executive to join them in a permanent, full-time role in their offices in the Greater Manchester area, paying £28,000+ (dependent on experience)

The Reconciliation Executive opportunity is a dual role, with Client Banking activities focussing on ensuring the accuracy and efficiency of the month-end billing processes and Collections activities focussing on collecting different ledgers within different industry types, with key responsibilities including:

  • Carrying out reconciliation of client’s bank statements to the collections system
  • Inputting WIP figures based on commissions in accordance with the agreed fee with the client.
  • Month end billing and fixed fee invoices, populating the supporting data as per client requirements and in their templates.
  • Identifying and investigating any discrepancies or irregularities in billing data, working closely with billing and accounting teams to resolve issues promptly.
  • Assisting in developing and implementing efficient billing reconciliation procedures to streamline processes and improve accuracy,
  • Maintaining detailed records of funds being transferred as part of repatriation agreements within the collections process and keeping all supporting documentation for audit and compliance purposes.
  • Generating reports summarizing billing reconciliation findings and recommended actions

Our ideal candidate for the Reconciliation Executive role:

  • Holds qualifications and has past experience in Accounting, Finance, Business Administration, or related fields.
  • Has previously held Billing, Accounting, or Finance roles with a focus on reconciliation.
  • Has exposure to diverse reconciliation tasks
  • Is proficient in Microsoft Office software, including advanced/intermediate Excel skills.
  • Has a strong analytical mindset with excellent problem-solving skills and attention to detail.
  • Demonstrates effective communication skills, both verbal and written, with the ability to collaborate across teams.
  • Having some knowledge billing of accounting systems (e.g., Sage QuickBooks, SAP, Oracle) and debtor payment portals, an understanding of Invoice Finance and past Credit Control/Collections experience would be highly beneficial.

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

Credit Risk Senior Manager

Kind Consultancy is working with a fast-growing bank which is currently seeking a Credit Risk Senior Manager to join their Credit Risk Oversight team, based in their Cardiff offices. This is a full-time permanent role with a hybrid work model, paying a competitive annual salary.

Reporting to the Chief Risk Officer, the Credit Risk Senior Manager will:

  • Develop and continuously improve credit risk analytics including the choice of internal and external data, analytical tools and production of dashboards and outputs
  • Hold responsibility for the ongoing development of the Bank’s credit risk appetite capabilities (limits, monitoring etc.)
  • Monitor Loan Book performance against established Risk Appetite KRIs
  • Develop the Credit Committee reporting / MI suite
  • Support credit risk reporting to Executive Risk Committee, ExCo, Board Risk Committee and Board
  • Provide support to Finance on the credit risk aspects of Financial Statements and Regulatory reporting
  • Manage and build internal relationships with key functions within the business
  • Support stress testing and other analysis within the ICAAP, ILAAP, Recovery Plan

For the Credit Risk Senior Manager opportunity, we’re looking for candidates who:

  • Have experience of developing and assessing credit models
  • Have a track record in building and managing stakeholder relationships.
  • Have experience of coaching and developing colleagues in complex credit matters.
  • Possess knowledge and experience of the Specialist Bridging market, Development Finance, Commercial mortgages, and Buy-to-let mortgages
  • Have previously worked in a regulated bank and developed a clear understanding of the associated regulatory requirements including Consumer Duty.
  • Re analytical thinkers, with deep understanding of credit profiles.
  • Are pragmatic and have the confidence to challenge, problem solve and find new ways of doing things, including influencing senior leadership.

If you’re interested in the Credit Risk Senior Manager opportunity, you have the skills and experience we’re looking for and you’re based in or can commute to Cardiff, please apply with an up to date CV today.

Insurance Resolution Specialist

Kind Consultancy is working with a Financial Services regulatory organisation which is currently seeking an Insurance Resolution Specialist to join them in a permanent, full-time role paying up to £60,000. This role has a hybrid working model requiring 2 days per week to be based in-office in London.

The Insurance Resolution Specialist will focus on customer claims situations involving failed firms, working with the relevant regulators, Insolvency Practitioners and Brokers, with key responsibilities including:

  • Regularly engaging with relevant parties, Insolvency Practitioners, Run-off Agents, and Brokers of the failed firms you have ownership of
  • Managing and monitoring the progress and performance of each estate, working with key stakeholders to deliver the strategy of the run down of the failed firm
  • Working closely with Run-off Agents to ensure optimised processes are in place to secure the right outcomes for customers and levy payers
  • Utilising management information to ensure the effective management of claims (new claims, open claims, reserving philosophy maintained, claims progression)
  • Providing technical support and approval of valid payments on insurance claims within required SLAs in line with the organisation’s rules
  • Managing and facilitating large claims within the failed firm estate, attending Joint Settlement Meetings
  • Managing the closure of estates, ensuring any follow-on activity is planned and delivered

Our ideal candidate for the Resolution Manager opportunity:

  • Has very strong knowledge of Insolvency, Claims Processing, Payment Processing and Technical Issues Resolution gained from work within Insurance
  • Has expert knowledge of the rules, policies, and regulatory processes relevant to Insurance within the UK
  • Has a track record of successfully managing expectations of senior stakeholders internally and externally
  • Demonstrates a strong level of awareness of current operational procedures followed by insurers in the management of insurance claims across a range of products, and a thorough understanding of Policyholder Protection Rules and their application to insurance contracts and claims
  • Possesses in-depth knowledge of the law and practice of insurance contracts and their application in resolving policy coverage issues

If you have the skills, knowledge and experience we’re looking for, you’re based in or can commute to London and you’re interested in the Insurance Resolution Specialist role, please apply with an updated CV today.

Mortgage Underwriter

Kind Consultancy is working with a growing Financial Services firm which is currently seeking a Mortgage Underwriter to join them in a full-time, permanent role in their Watford office focussing on 1st Charge Residential Mortgages.

The Mortgage Underwriter will take ownership of allocated mortgage cases from inception through to completion with key responsibilities including:

  • Entering and updating borrower data on a lending platform.
  • Ensuring all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
  • Carrying out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
  • Providing concise and accurate updates to brokers.
  • Proactively chasing brokers for outstanding requirements.
  • Ensuring all underwriting is in line with Company policy and within regulation and all cases are Underwritten within the Groups Risk appetite.
  • Building good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Maintaining a pipeline of cases, overseeing cases from inception through to completion.

Our ideal candidate for the Mortgage Underwriter opportunity:

  • Is experienced in underwriting 1st and/or 2nd Charge Mortgage applications
  • Has a good understanding of FCA regulations
  • Has consistently excellent attention to detail and strong communication skills – both written and spoken
  • Holding CeMAP would be desirable but is not essential

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

Senior Compliance Manager

Kind Consultancy is working with a fast-growing challenger bank which is currently seeking a Senior Compliance Manager to join them in a full-time, permanent role paying up to £86,000 with a predominantly remote working model requiring one day every 2-4 weeks in-office in the West Midlands.

The Senior Compliance Manager will support the Head of Compliance in designing, delivering, embedding and executing the bank’s Compliance & Conduct Risk Framework, with key responsibilities including:

  • Working with senior management to support the business in remaining compliant during strategic change, providing advice and guidance on the application of new or existing regulation.
  • Driving a positive compliance & conduct culture within the Bank.
  • Supporting the design, execution and delivery of Compliance & Conduct-owned policies.
  • Working with the first line of defence in ensuring that the bank has in place robust controls to protect the bank being used to facilitate money laundering and protect the bank and its customers against financial crime.
  • Supporting the Head of Compliance in delivering the Bank’s approved Consumer Duty plan and providing oversight and challenge to business compliance with Consumer Duty.
  • Maintaining up-to-date regulatory knowledge and awareness of industry changes in the context of the business and managing the Bank’s regulatory horizon scanning process.
  • Supporting the Head of Compliance in designing the annual compliance and conduct plan and holding overall responsibility for delivering of the plan, including thematic oversight, customer outcomes testing, BAU oversight etc.
  • Working across the 2nd line of defence, to implement and embed the Bank’s GRC system, ensuring the system becomes appropriately embedded in risk and compliance management.
  • Designing and producing clear, accurate reporting on the status of compliance framework activity for Executive and Board Committees.
  • Demonstrating a good understanding of the business and its aims and objectives
  • Leading in the design and delivery of compliance and conduct training

Our ideal candidate for the Senior Compliance Manager opportunity:

  • Has 5+ years’ experience working in a management role in a 2LOD compliance & conduct or AML function within Financial Services.
  • Has previously worked with senior management and executives to provide compliance & conduct-related support and advice to 1LOD, preferably working in a 2LOD environment.
  • Has a track record of promoting and developing a customer centric approach, with customer outcomes central to decision making.
  • Has experience of providing AML and financial crime oversight and providing guidance to 1LOD with regards to control frameworks and referrals.
  • Has written Compliance Policies.
  • Has experience of horizon scanning and of reviewing and understanding regulatory publications, including regulatory handbooks, policy statements and guidance notes.
  • Has very strong regulatory knowledge of FCA regulation and AML legislation and o key compliance and regulatory topics, including Consumer Duty.
  • Is able to understand and interpret regulations and regulatory guidance for the bank and senior management.
  • Has experience of completing, maintaining or co-ordinating Compliance MI or Committee packs.
  • Demonstrates excellent communication skills in both writing and speech, including the ability to translate complex compliance matters for a variety of audiences.
  • Has strong interpersonal and communication skills, with the ability to develop key relationships across the bank.
  • Having worked on the implementation of Consumer Duty at a comparable organisation would be highly desirable, as would past experience of delivering training on compliance, conduct and/or financial crime (including AML)

If you’re interested in the Senior Compliance Manager opportunity and you have the skills, knowledge and experience we’re looking for and are based in or able to commute to the West Midlands, please apply with an updated CV today.

Compliance Manager

Kind Consultancy is working with a fast-growing challenger bank which is currently seeking a Compliance Manager to join them in a full-time, permanent role paying up to £70,000 with a predominantly remote working model requiring one day every 2-4 weeks in-office in the West Midlands.

The Compliance Manager will support the Head of Compliance & MLRO and Senior Compliance Manager in designing, delivering, embedding and executing the bank’s Compliance & Conduct Risk Framework, with key responsibilities including:

  • Supporting the 1st line on regulatory compliance, customer outcomes and financial crime.
  • Providing Compliance and Financial Crime expertise in any projects.
  • Managing the Bank’s Regulatory Management System (RMS), acting as SME on compliance and conduct matters.
  • Undertaking compliance monitoring in line with the Annual Compliance Plan, producing quality reports with clear, concise observations and agreeing actions and timescales with 1LOD. Monitoring and tracking to delivery.
  • Working closely with Internal Audit to ensure the Annual Compliance Plan compliments the bank’s Audit Plan
  • Managing the bank’s incident and breach reporting process.
  • Providing periodic and ad-hoc oversight and investigations e.g. incidents, breaches, complaints, regulatory reporting, operational risk loss events, annual product reviews, RCSAs etc. with a compliance & conduct lens.
  • Managing and monitoring compliance activity within the Bank’s GRC system.
  • Producing clear, quality compliance reports as required.
  • Supporting the Head of Compliance in the delivery of compliance & conduct-related training.
  • Maintaining oversight and sign off on behalf of Compliance on product and marketing material as well as client communications

Our ideal candidate for the Compliance Manager opportunity:

  • Has 5+ years’ experience working in a management role in a 2LOD compliance & conduct or AML function.
  • Has experience of working with senior management to provide compliance & conduct-related support and advice to 1LOD, preferably working in a 2LOD environment.
  • Has a track record of successfully promoting and developing a customer centric approach, with customer outcomes central to decision making.
  • Has previously held a role involving providing AML and financial crime oversight and guidance to 1LOD with regards to control frameworks and referrals.
  • Has experience of horizon scanning, writing or updating Compliance Policies and of reviewing and understanding regulatory publications, including regulatory handbooks, policy statements and guidance notes.
  • Having worked on the implementation of Consumer Duty at a comparable organisation would be highly desirable experience, as would having delivered training on compliance, conduct and/or financial crime (including AML) is desirable.
  • Holds strong regulatory knowledge of FCA regulation and AML legislation and of key compliance and regulatory topics, including Consumer Duty.
  • Is able and willing to understand and interpret regulations and regulatory guidance for the bank, including senior management.
  • Has excellent communication skills, both written and presenting. and strong interpersonal and communication skills, with the ability to develop key relationships a business

If you’re interested in the Compliance Manager opportunity, you are based in or can travel to the West Midlands and you have the skills and experience we’re looking for, please apply with an updated CV today.

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