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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.

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.

Senior Underwriter – Remote Contract

Kind Consultancy is working with a major UK Financial Services brand which is currently seeking multiple Senior Underwriters for a remote contract opportunity, for an initial six month, full time contract paying £31.02 per hour via umbrella.

A key component of the Mortgage Operations division of the business, the Senior Underwriters are responsible for the assessment of the highest risk mortgage enquiries and the customer journey from Decision in Principle to Mortgage offer, with key responsibilities including:

  • Making lending decisions up to £1.5m that comply with the organisation’s risk appetite, policy requirements, internal underwriting guidelines and are within your mandated authority limits
  • Ensuring all lending decisions comply with regulatory requirements such as MCOB, Responsible Lending, Consumer Duty.
  • Where appropriate, identifying and agreeing high quality exceptions to standard lending policy to support the business’s growth aspirations.
  • Communicating with customers to fully explaining lending decision rationale.
  • Proactively managing your own performance, monitoring your success and taking action to improve your performance and capability.
  • Consistently delivering agreed targets and Service Level Agreements, demonstrating a strong commitment to delivering high quality lending decisions.

Our ideal candidate for the Senior Underwriting contract:

  • Has 2 or more years of mortgage underwriting experience and currently hold an active mortgage full discretion (i.e. ability to agree lending outside of standard policy) Lending Mandate of at least £500,000.
  • Has a detailed knowledge of the regulatory framework which applies to mortgages and is able to apply this consistently to all decisions.  Regulations include:
    • MCOB including responsible lending principles
    • FCA vulnerable customer guidance
    • PRA Portfolio Landlord lending standards
  • Demonstrates strong analytical and numerical skills.
  • Is a great communicator, confident engaging with customers and stakeholders (both internal and external) to gather relevant information, relay decisions, and maintain accurate and appropriately detailed records of underwriting decisions and their supporting rationale.
  • Is able to be empathetic and flexible in underwriting decisions, always aiming to always deliver the best outcome for both customer and the business.
  • Has excellent Relationship-building skills –  building strong internal and external relationships is central to being successful in this role.
  • Is enthusiastic and driven to deliver great service internally and externally to support the mortgage strategy.
  • Is able to manage own performance, monitoring your success and taking action to improve your performance/capability.

If you’re interested in the Senior Underwriter contract, you’re available to start in mid-February 2025 and you have the necessary skills, knowledge and experience, please apply with an updated CV today.

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