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Underwriter

Job LocationPeterborough
EducationNot Mentioned
SalaryCompetitive salary
IndustryNot Mentioned
Functional AreaNot Mentioned
Job TypePermanent, full-time

Job Description

The RoleShawbrook is a specialist UK lending and savings bank founded in 2011 to serve the needs of SMEs and individuals in the UK with a range of lending and savings products.We differentiate ourselves by concentrating on markets where our specialist knowledge and personalised approach to underwriting offer us a competitive advantage. This supports attractive stable returns and sustainable growth and benefits businesses and consumers in parts of the market which continue to be poorly served by traditional high street banks. Fundamental to our success is a relationship focus which puts the interests of our customers and business partners at the heart of everything we do, built on a culture which stresses the use of our experience and judgement to make decisions that balance risk, return and customer need.We are currently looking to appoint an Underwriter to underwrite Residential Buy to Let & Commercial mortgage applications in line with the company lending policy. Reporting to the Underwriting Team Manager, you will work closely with Risk Management, Brokers and Lending Officers, managing applications through to completion.Responsibilities

  • An ability to adopt a pragmatic approach to underwriting Residential BTL, commercial and trading business mortgage applications within approved lending mandate
  • To understand and analyse key items such as credit searches, bank statements, financial accounts, property valuations and business appraisals in order to make informed lending decisions
  • To deliver high levels of accuracy and attention to detail in data input and all written communication produced.
  • Able to develop a rationale for those cases outside of own lending mandate or company lending policy and communicate findings to Credit Risk department for their consideration
  • To build successful working relationships with external contacts such as brokers, customers, surveyors and solicitors as well as internal teams such as administrators, lending officers, credit risk and finance to ensure all lending requirements are satisfied prior to release of funds
  • To effectively manage a pipeline of approximately 70 cases through to completion, ensuring both company service standards and the lending policy is complied with throughout
  • To deal with all internal and external telephone & email enquiries efficiently and within company standards
  • Ensure a good understanding of all the company’s policies, procedures and compliance guidelines, installing the principles in your daily practice to protect the company from any associated risks
  • To embrace the principles of treating customers fairly and responsible lending in all decision making
  • To be able to assess the applicant’s portfolio in line with the PRA requirements
  • The Person
  • Educated to GCSE level (or equivalent) in Math’s and English
  • Minimum 2 years commercial mortgage underwriting experience
  • Good knowledge of compliance procedures within the mortgage industry
  • Ability to read financial accounts, valuations, business appraisals and credit searches
  • Ability to develop an analytical and pragmatic approach to underwriting
  • APPLY NOW

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