Job Description

Key Accountabilities

  • Full responsibility for designing, managing, embedding and delivering the credit risk management framework and procedures ensuring best practise installed within the underwriting procedures.
  • Deputise for Lending Operations Director as and when required
  • Management and development of underwriting team to case manage loans from inception to completion.
  • Ensure SLA’s are maintained and exceeded
  • Develop and promote clear standards of performance within underwriting which support the Company Training and Competency Policy
  • Implement required training and ensure adequate records of staff training and competence are maintained
  • System owner of BTL origination platform which will include helping develop effective systems and processes, providing specifications and UAT
  • Mandated to approve high value loans
  • Development of highly skilled and competent underwriting team and robust credit risk framework.
  • Implement effective underwriting controls across all processes and procedures which minimises the risk of error and promotes compliant and robust underwriting decisions
  • Internal and external quality assurance checking identifies no material issues

        Skills & Competencies

        • Excellent communication skills essential for dealing with brokers, borrowers and lenders
        • Extensive experience of leading, developing and managing a team
        • Proactive
        • Organised
        • Problem solver
        • Approachable

              Knowledge & Qualifications

              • A strong understanding of FCA regulation
              • Extensive experience of underwriting
              • CeMap qualified would be advantageous but is not essential

                Personal Attributes

                • Strong interpersonal and communication skills
                • Analytical, decisive and assertive
                • Takes ownership and responsibility and is results oriented with a proactive

                  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

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