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Underwriter

OneSavings Bank Plc
Job LocationChatham
EducationNot Mentioned
Salary27,000 - 32,000 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 senseapproach to manual underwriting.This opportunity is to join the Underwriting team that underwrite Buy-to-Let and Residential cases.About us: OSB Group is a leading specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market. Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of fundingis provided by sophisticated securitisation platforms. OSBs unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.What you will be doing: In this role, you will be progressing mortgage applications, within your assigned mandate level, through to offer whilst ensuring this is in line with the Banks operating policies and procedures.Your responsibilities will include

  • Developing your underwriting skills via training and coaching, to achieve and enhance your mandate
  • Reviewing agreement in principle documentation ensuring that this meets the requirements of the Banks lending policy
  • Analysing, assessing and underwriting cases from the application being received through to completion within your mandate level
  • Requesting and verifying documentation as required to progress the case
  • Offering mortgages to approved borrowers within service standards
  • Effectively communicating with intermediaries in a timely manner on declined cases, handling objections and providing feedback
In return for your commitment: We offer a base salary dependent on experience of between £27,000 - £32,000 and a competitive benefits package including:
  • Discretionary annual bonus opportunity of up to 15%
  • 28 days annual leave plus bank holidays
  • Contributory pension (8% employer 5% employee)
  • Life Assurance (4x salary) plus Group Income Protection
  • Access to Private Medical Insurance and Medical Cash Plan
  • Additional benefits such as, Cycle Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals and Save as you Earn scheme
  • Prioritising your well-being!
Could you be the oneWe are looking for talented individuals who have the experience/knowledge and qualifications set out below:
  • Previous experience processing mortgage applications or providing administrative support in a mortgage focused environment
  • Experience underwriting mortgages
  • Experience managing cases to a high standard with attention to detail
  • Communication with external parties to share updates and request information
  • 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.What to do nextIf this sounds like you, please apply now!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!OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds.As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We dont stop there though, we have broadened our approach to encourage diversity andinclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress. Whilst we are an organisation that values face-to-face interaction and relationship building, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing ahealthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.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.

Keyskills :
Underwriter / Underwriting / Mortgage / Lending

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