Credit Underwriter – Asset Finance Flow

Kind Consultancy is working with a multidisciplinary UK bank which is currently seeking an Asset Finance Flow Credit Underwriter to join them in a full-time, permanent role, paying up to £50,000 and with a hybrid work model which will be 50% in-office in the East Midlands.

The Asset Finance Flow Credit Underwriter will report to the Head of Credit for Asset Finance Flow with key responsibilities including:

  • Assessing the credit and risk profiles of customers within the asset finance flow lending market, determining the acceptability of proposals, and providing recommendations or alternative solutions where appropriate, that satisfy customer needs and business objectives.
  • Conducting independent assessments of each case and preparing the relevant documents for an informed decision to be made by the appropriate member.
  • Recommending delinquent accounts that due to an identified adverse track record qualify for inclusion on the bank’s Watch List.
  • Ensuring the main influencing factors and sanctioning analysis is accurately recorded when reaching proposal recommendations/decisions.
  • Facilitating business development efforts through a proactive approach to credit proposals to ensure maximisation of opportunities.
  • Ensuring compliance with the bank’s policies, procedures, and asset finance flow lending guidelines together with all appropriate regulatory and statutory requirements, implementing actions to protect the Bank’s business at all times.
  • 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 the credit processes and recommend changes that will deliver operational efficiencies and foster a culture of continuous credit risk improvement.

Our ideal candidate for the Asset Finance Flow Credit Underwriter opportunity:

  • Has previous experience in underwriting and working knowledge of lending principles and credit analysis for small ticket transactions.
  • Has a proven appreciation and working knowledge of lending principles, credit analysis and underwriting methodologies for small ticket transactions.
  • Has knowledge of the asset finance commercial environment and sector specialism including asset finance flow lending and the SME market
  • Has excellent analytical and problem-solving skills
  • Has a good understanding of the relevant rules under the financial services acts and of financial management and the wider management principles and techniques
  • Is able to interpret and implement relevant guidance, ensuring compliance and that customers are treated fairly.
  • Has excellent oral and written communication skills and organisational skills.
  • Possesses a good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations.

If you’re interested in the Asset Finance Flow Credit Underwriter role and you have the skills and experience we’re looking for, please apply with an updated CV today.

Lending Officer – Fixed Term Contract

Kind Consultancy is working with a successful and still growing challenger bank which is currently seeking a Lending Officer to join their Asset Finance division in their East Midlands offices on a fixed term contract running to November 2024.

The Lending Officer will act as a key point of contact for Asset Finance customers and introducers and will also provide support to the Head of Asset Finance, and the Sales team.  They will need to effectively manage relationships with brokers, introducers, and other stakeholders.

Our ideal candidate for the Lending Officer fixed term contract:

  • Has experience of liaising with customers and brokers in relation to credit risk applications.
  • Has strong knowledge of Asset Lending and experience of work in a Sales/Marketing environment
  • Has experience of Compliance and good knowledge of Financial Services regulations
  • Has excellent interpersonal, time management and communication skills
  • Is PC literate with knowledge of Microsoft Office suite
  • Has a good understanding of Conduct Risk and Treating Customers Fairly requirements.

If you’re interested in the Lending Officer fixed term contract and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

Mortgage Advice Quality Assurance

Kind Consultancy is working with a successful national Mortgage Network which is currently seeking a Mortgage Advice Quality Assurance professional to join their Mortgage division in a full-time permanent role paying up to £28,000, with a hybrid work model based out of their Birmingham offices (following a fully office-based training period).

Reporting to the Mortgage Advice Support Team Leader, the Mortgage Advice Quality Assurance role will focus on monitoring the quality of advice given by the network’s Mortgage Advisors and provide feedback to the Regional Supervision Managers and Area Supervision Managers or Practice Supervisors, with key responsibilities including:

  • Reviewing allocated cases to assess suitability of advice and adherence to TCF principles, recording activity and outcomes in line with departmental standards and SLA’s.
  • Ensuring that case checks are completed in a timely manner ensuring and in accordance with Network standards ensuring full audit evidenced of case assessments in Toolbox.
  • Ensuring performance management is maintained in supporting departmental case check objectives.
  • Building positive, beneficial relationships with Advisers through regular contact and feedback provided to them.
  • Reporting any breaches of Network and FCA guidelines.
  • Identifying and communicating potential adviser training needs in line with T&C Scheme, Procedures and Processes, providing feedback to the Field Supervision team, where minimum standards are not met.
  • Maintaining personal knowledge of FCA regulatory and internal guidance and procedural changes to ensure accurate assessment of files.

Our ideal candidate for the Mortgage Advice Quality Assurance opportunity:

  • Must hold CeMAP or equivalent (CF1/R01 and CF6)
  • Has 3+ years of recent experience within UK Financial Services
  • Has good knowledge of MCOB, ICOB, the current Mortgage Market and the Suitability of Advice Principles
  • Has a good standard of education (GCSE Maths/English grade C or above)

If you’re interested in the Mortgage Advice Quality Assurance position and you have the skills, knowledge and experience we’re looking for and you’re based in or can commute to Birmingham, please apply with an updated CV today.

 

Head of Underwriting – Buy-to-Let Mortgages

Kind Consultancy is working with a successful, growing challenger bank which is currently seeking a Head of Underwriting for Buy-to-Let Mortgages to join them in a permanent, full-time position with a hybrid work model requiring 3 in-office days in Birmingham per week, with a highly competitive salary and benefits package.

Reporting to the Chief Operating Officer, the Head of Buy-to-Let Mortgage Underwriting will oversee the assessment and approval of buy-to-let mortgage applications, with key responsibilities including:

  • Guiding a team in assessing loan applications and underwriting loans to support Buy to Let customers
  • Checking documentation for completeness and adherence to credit policy
  • Ensure applications are fully compliant with legislation, lending policy and regulatory requirements.
  • Acting as the escalation point to provide acceptances and rejections or to ask for further information and being accountable for this should questions be asked
  • Providing a point of contact for queries in relation to underwriting decisions from brokers and customers.
  • Providing feedback to Risk, Relationship Management and brokers on the quality and completeness of applications.
  • Championing customers needs using interaction with brokers and customers where required (verbally, and in writing)
  • Developing and maintaining underwriting procedures and documentation

Our ideal candidate for the Head of Underwriting – Buy to Let Mortgages opportunity:

  • Has 2+ years of heading up a team of underwriting specialists handling buy to let lending applications including complex cases, differing ownership/deal structures and asset types (standard BTL, HMO, MUFB, Holiday Lets, Semi Commercial property).
  • Has strong specialist Buy to Let lending knowledge and strong understanding of regulatory requirements including BCOBS, MCOB, CONC
  • Is experienced in residential mortgage underwriting processes and controls
  • Can communicate with legal partners and help define and streamline processes
  • Is a confident user of Excel with a good understanding of intermediate calculations

If you’re interested in the Head of Underwriting – Buy to Let Mortgages opportunity, you’re based in or can commute to the Birmingham area and you have the skills and experience we’re looking for, please apply with an updated CV today.

 

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