Job Description
Key Accountabilities
- 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 provide daily, weekly, 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
- Proactive chasing of outstanding information from third parties and 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
- Update all relevant systems to maintain management information
Skills & Competencies
- Good understanding of business risk
- Pass internal competency tests post induction
- Very good organisational skills
- Good analytical skills
- Good verbal & written communication skills
- Attention to detail
- Time management
- Competent user of Microsoft office software
Knowledge & Qualifications
- Experience within the secured lending sector
- A good understanding of the underwriting process
- Previous experience of managing a caseload and assessing cases for approval in a fast-paced environment
- Industry relevant qualifications are beneficial but not a requirement
- Experience underwriting mortgage applications, specifically within the BTL market.
- CeMAP (desirable, not essential)
Personal Attributes
- Driven to achieve results
- Tenacious
- Personable
- Agile
Company Values - CREDIT
C
Customer - Customers are our primary focus
R
Results - Results matter, create value every day
E
Energy is contagious, Share it!
D
Developing our people makes us different
I
Invent the solution - be proactive
T
Teamwork - Together we can build the business