Company: United Trust Bank Limited
Location: United Kingdom
Employment Type: Full-time
Description:
At United Trust Bank, we believe that people achieve more together than alone. That’s why we’re dedicated to building great relationships, offering tailored solutions, and providing our clients and broker partners with the support they need to go further. This was true when we first opened our doors, and it’s still our approach today.
Our Buy To Let / Portfolio Buy To Let Mortgages team are currently looking to hire a Senior Underwriter who provide the BTL team with independent and objective assurance designed to add value to the BTL process. To approve new mortgage applications within the Standard, Professional and Portfolio BTL product offering.
This is a hybrid role working 3 days in the office (City of London location) and 2 days working from home.
Responsibilities:
• Establish close working relationships with the BTL Underwriting and Credit functions.
• Provide input to, and approval of, Credit decisions within own delegated mandate to ensure prudent growth in the portfolios… achieved and underwriting in line with Credit Policy
• Underwrite a higher risk profile of mortgage applications.
• Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual mandate level.
• Act as a referral point for other mortgage underwriters within team, and complete coaching and training activities where required.
• See beyond the individual components of an application and consider the broader customer outcome and need.
• Manage new applications, incoming post and pre-submission referrals within set service standards.
• Proactively manage an assigned pipeline of applications from receipt to completion
• Liaise with a pre-approved panel of Introducers to provide quick, accurate and reliable underwriting decisions.
• Adhere to internal policy and regulatory requirements – FCA, PRA, AML, Prevention of Financial Crime, Data Protection etc.
• Undertake project and ad-hoc pieces of work at management request
Skills and Experience sought
Essential Experience
• 5-10 years previous underwriting and/or credit exposure within the BTL/PBTL market
• Worked within a regulated environment
• Managing and prioritising own workload
• Liaising with Introducers and/or external customers
• Currently holds a non-entry level lending mandate
Desirable Experience
• CeMAP qualified
Equal Opportunity Statement
We’re an equal opportunity employer, which means we’ll consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we’re committed to creating an inclusive environment for all employees. During the application process, you will be asked to complete an equality questionnaire on a voluntary basis and any data we collect will be treated confidentially and used for evaluation purposes. This will be for a period of 6 months or longer with your permission. This helps us understand our applicants so we can make sure we are doing everything we can to attract a diverse range of people and ensure our recruitment processes are fair and inclusive
Source: LinkedIn
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