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Mortgage Underwriter

Kind Consultancy is working with a well-established, long succesful Retail Financial Services organisation which is currently seeking a Mortgage Underwriter to join them in a full-time, permanent role with a hybrid work model based out of their Lancashire office, paying up to £35,000.

With a focus on providing an efficient, professional underwriting service to customers and intermediaries, key responsibilities of the Mortgage Underwriter will include:

  • Processing mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
  • Processing mortgage applications on the organisation’s software system and completing all procedural administrative documentation efficiently liaising with the customer during the application process.
  • Maintaining accurate records and notes throughout all stages of the mortgage application.
  • Approving mortgage applications (direct and introduced) within specified limits in accordance with the Lending Policy.
  • Considering mortgage applications outside standard lending policy where a justifiable business reason exist.
  • Presenting out of criteria cases to the Credit Risk Committee with appropriate recommendations and rationale.
  • Maintaining professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.
  • Maintaining knowledge and complying with all legal responsibilities and codes of conduct to which the business must comply with i.e. Vulnerable Customers, AML, MCOB, DPA, FCA etc.
  • Meeting all requirements of the Training & Competence scheme.
  • Dealing with customer dissatisfaction and complaints as required.
  • Identifying opportunities for continuous improvement of products, policy, processes and procedures

Our ideal candidate for the Mortgage Underwriter opportunity:

  • Must hold 5 GCSEs at Grade C or above including Maths and English or equivalent.
  • Has excellent communication skills both written and verbal.
  • Is experienced in the use of Microsoft packages and is a confident user of Word and Excel.
  • Is able to independently manage multiple tasks
  • Demonstrates consistently strong attention to detail

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

2nd Charge Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a 2nd Charge Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The 2nd Charge Underwriter will underwrite 2nd Charge Mortgage applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the 2nd Charge Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically with 2nd Charge exposure.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Senior BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a Senior BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £50,000.

The Senior BTL Underwriter will take ownership of allocated Buy-to-Let cases from inception through to completion, underwriting, maintaining and managing a pipeline of complex and high value cases, through to offer, with key responsibilities including:

  • Assessing applications that have been referred for approval by Underwriting Case Managers
  • Documenting rationale as to why a case should or should not be offered
  • Providing real time feedback to the Underwriting Case Managers on a case by case basis and also providing daily, weekly and monthly reporting to the line manager.
  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers for complex and high value cases where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively chasing outstanding information from third parties and sharing timely updates to introducers to enable service excellence
  • Recommending and referring cases to the relevant mandate holders for approval
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to offer
  • Updating all relevant systems to maintain management information

Our ideal candidate for the Senior BTL Underwriter opportunity:

  • Has a good understanding of business risk
  • Has significant experience within the secured lending sector underwriting mortgage applications, specifically within the Buy to Let market.
  • Demonstrates a good understanding of the underwriting process, with previous experience of managing a caseload and assessing cases for approval in a fast-paced environment
  • Holding CeMAP would be desirable but is not essential
  • Has very good organisational, analytical and time management skills
  • Displays excellent verbal & written communication skills
  • Is a competent user of Microsoft office software
  • Has consistently excellent attention to detail

If you’re interested in the Senior BTL Underwriter opportunity, you have the necessary skills, knowledge and experience and you’re based in or can commute to Hertfordshire, please apply with an updated CV today.

BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The BTL Underwriter will underwrite buy-to-let loan applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the BTL Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically within the BTL market.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Residential Mortgage Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking three Residential Mortgage Underwriters to join them in full-time, permanent roles based in their Hertfordshire office, paying up to £42,500.

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

  • Entering and updating borrower data on lending platform.
  • Ensuring all aspects of the loans are recorded accurately on lending platform and meet underwriting guidelines.
  • Carrying out an assessment of the mortgage applications to ensure all aspects of 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.
  • Ensuring that 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.
  • Maintaining broker relationships that are integral to business growth.

Our ideal candidate for the Residential Mortgage Underwriter opportunity:

  • Has a good understanding of FCA regulation.
  • Is experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
  • Holding CeMAP would be desirable but is not essential
  • Displays consistently strong attention to detail.
  • Has good written and verbal communication skills.

If you’re interested in the Residential Mortgage Underwriter opportunity, you have the necessary skills and experience, and you live in or can commute to Hertfordshire, please apply with an updated CV today.

Senior Credit Underwriter

Kind Consultancy is working with a well-established Retail Financial Services business which is currently seeking a Senior Credit Underwriter to join them in a full-time, permanent role, paying up to £70,000 with a hybrid work model based out of their offices in the East Midlands.

The Senior Credit Underwriter will assess the credit and risk profiles of customers within the Pensions, Professions and Real Estate markets, with key responsibilities including:

  • Conducting analysis and recommending sanctions, determining the acceptability of proposals and providing recommendations or alternative solutions where appropriate that satisfy customer needs and meets business objectives.
  • Conducting independent assessments of each case and preparing the relevant documents for an informed decision to be made.
  • Ensuring the main influencing factors and sanctioning analysis are all accurately recorded when reaching proposal recommendations and decisions.
  • Facilitating business development efforts through a proactive approach to credit proposals, ensuring opportunities are maximised.
  • Ensuring that facilities have had the correct legal documents issued, that they are executed correctly and that all legal formalities including, where appropriate, the giving of independent legal advice, have been effectively completed.
  • Undertaking line management as agreed with the Director of Credit, including supervising the day-to-day activities of assigned team members so that their individual and collective performance meets the required standards, contributing to their development and providing ongoing support as required.
  • Communicating relevant information to team members, senior management and other interested parties ensuring essential features of the situation are understood, enabling informed decisions to be taken where appropriate.
  • Proactively reviewing credit processes and recommending changes that will deliver enhanced operational efficiency.

Our ideal candidate for the Senior Credit Underwriter opportunity:

  • Has significant previous experience as a Credit Underwriter
  • Has excellent analytical and problem-solving skills
  • Has knowledge of the relevant rules under the Financial Services Acts
  • Demonstrates a wide knowledge of the commercial environment and sector specialism including pensions, real estate lending and the SME market, and an understanding of financial management and wider management principles and techniques
  • Possesses a good level of financial and commercial awareness
  • Has a good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations.
  • Is able to interpret and implement relevant guidance, ensuring compliance and due regard is paid to the interests of customers and customers are treated fairly.
  • Is highly organised and demonstrates excellent communication skills, in both writing and speech

If you’re interested in the Senior Credit Underwriter position, you have the necessary skills, knowledge and experience and you live in or can commute to the East Midlands, please apply with an updated CV today.

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A specialist recruitment and executive search firm specialising in interim and permanent Governance, Risk, Compliance, Complaints, Financial Crime and Change & Transformation roles across Financial Services

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