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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.

Interim Compliance Director – Payment Services

Kind Consultancy is working with a new, fast-growing Corporate Payments Provider which is currently seeking an Interim Compliance Director to join them for a 3 – 6 month contract outside IR35, with day rate open to discussion.

The Interim Compliance Director will focus on providing support with the firm’s Transaction Monitoring policies and procedures.

The role can be predominantly remote, but will require occasional travel to meetings with payment partners.

For the Interim Compliance Director opportunity, candidates must have substantial Payment Services knowledge and experience including work within a major bank.

If you’re interested in the Interim Compliance Director contract and you have the experience we’re looking for, 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.

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.

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.

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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