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Underwriter

OneSavings Bank Plc
Job LocationChatham
EducationNot Mentioned
Salary£30,000 - £35,000 per annum
IndustryNot Mentioned
Functional AreaNot Mentioned
Job TypePermanent, full-time

Job Description

About the team: The Underwriting department supports the Bank by assessing the risk of lending and protecting the Bank against this risk and losses. With strong market knowledge, diagnostic approach and ability to give dependable decisions, the team take a common sense approach to manual underwriting.About us: At OneSavings Bank, were proud to be an award-winning bank, with great customer satisfaction scores.We began trading as a bank in 2011 and were admitted to the main market of the London Stock Exchange in 2014, joining the FTSE 250 in June 2015. So weve had a really strong start and thats because we have great people, great products and a deep understanding of our markets.In the simplest terms, were a specialist lender which is supported by our stable retail savings franchise, who has over 150 years of heritage behind them (Kent Reliance).OneSavings Bank Plc acquired Charter Court Financial Services Group Plc (CCFS) and its subsidiary businesses on 4 October 2019. They have three complementary brands: Charter Savings Bank; Precise Mortgages; Exact Mortgage Experts.What you will be doing: In this role, you will have the opportunity to progress mortgage applications, within the assigned mandate level, through to mortgage offer and in line with the Banks operating policies and procedures.Your responsibilities will include…

  • Underwriting allocated applications to offer, within assigned mandate level and agreed service standards
  • Offering mortgages to approved borrowers, within assigned mandate level and agreed service standards
  • Reviewing agreement in principle requests in a timely manner
  • Communicating with intermediaries on declined cases as well as handling objections and providing feedback
  • Working with the Lending Assessors and less experienced Underwriters on technical queries
  • Collaborating with the sales team to take time pressures and the customer journey into consideration
  • Consistently demonstrating compliance with the organisations risk management policies which relate to Underwriting
    • In return for your commitment: We offer a base salary dependent on experience of between £30,000 - £35,000 and a competitive benefits package including:
  • 25 days holiday + bank holidays (you can purchase an additional 5 days holiday too)
  • An annual discretionary bonus opportunity of up to 12.5%
  • Quarterly Employee Recognition Programme (a chance to be recognised for promoting one of our core values)
  • Westfield Healthcare scheme - Level 2 cover
  • Season ticket loans / cycle purchase scheme
  • Long service awards
  • Perkbox discounts (cheap cinema tickets, family day outs and savings in high-street shops)
  • Save as you earn scheme
  • Charity fund matching (were super keen for people to give something back!)
    • A full list of our benefits package is available on our website: careers/benefitsCould you be the oneWe are looking for talented individuals who have the experience/knowledge and qualifications set out below:
  • Substantial experience working as a mandated mortgage underwriter
  • Previous experience of underwriting residential mortgages (including two of the following: portfolio lending/ specialist buy to let / credit repair/subprime / bespoke priced residential loans)
  • Experience managing cases to a high standard with attention to detail
  • Strong knowledge of FCA regulations with regards to residential and buy to let mortgages
  • Competent using Microsoft Applications such as Microsoft Word and Excel
    • We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves. We are so committed to this weve made it one of four core values "Create Your Future".The other key values are: Stronger Together, Aim High and Take Ownership. We are looking for individuals that feel that these resonate with them.What to do nextIf this sounds like you, please send us your CV!Alternatively, if you wish to have an informal and confidential chat about this role please contact us onIf shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!As a combined group, we are dedicated to diversity in the workplace and we are committed to a policy of treating all our employees and job applicants equally. No employee or potential employee will receive less favourable treatment because of any protected characteristic.We provide a fully inclusive and accessible recruitment process and pro-actively offer and make reasonable adjustments as and when required.We recognise that flexible working opportunities can be of benefit to both employees and the organisation, improving work-life balance and enabling the business to attract and retain skilled and valued employees. Please speak to us about how this could work for you.All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful. Unfortunately, due to the high number of applications currently being received, only shortlisted candidates will be contacted. Required skills
  • Underwriting / Mortgage Underwriting / Underwriter

    • Keyskills :
    Underwriting / Mtgage Underwriting / Underwriter

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