Senior Buy To Let BTL Underwriter

YBS Group
09 Mar 2018
18 Mar 2018
Contract Type
Full Time
At Yorkshire Building Society Group we pride ourselves on being a mutual organisation that places our customers at the heart of everything we do and that’s why we have an exciting opportunity for a Senior Underwriter to join our dynamic and fast paced buy-to-let (BTL) Underwriting Team.

What you'll be doing:
Using your industry experience, you will make exceptional lending decisions within the boundaries set out in the Group's risk policies relating to new mortgage lending and/or existing customer variations by ensuring decisions are aligned with risk appetite and delivery of fair customer outcomes, whilst supporting the Underwriting Team Manager in the coaching and mentoring of underwriters within the team...
  • Full case approval/underwriting, within the boundaries of the Group’s lending policy and guidelines including lending rationale that ensures lending decision is clear.
  • Coach and mentor underwriters to make the most appropriate lending decision for the customer and the Group to increase their competency and the complexity of cases they can manage.
  • To work closely within a team and to help foster working relationships to share best practice and to contribute to a great people experience. You should interact well with the rest of the team to ensure that both your own and the team’s SLA’s are achieved.
  • To become locally famous by keeping our customers regularly informed and communicating lending decisions in a timely and professional manner.
  • To identify and drive forward service improvements within the department to make the way we do business easier and simple.
Skills, experience and qualifications required:
  • A minimum of 3 years BTL/Commercial underwriting experience as a mandated underwriter.
  • Have strong mortgage product knowledge and experience of underwriting and making decisions in a BTL environment.
  • Detailed understanding of the regulatory environment surrounding BTL mortgages
  • Be able to share your BTL underwriting experience through coaching and mentoring of underwriters
  • Resilient, confident and committed with the ability to engage and form strong relationships with key stakeholders.
  • Have a positive ‘can do attitude’ and be able to work well under pressure.
  • Strong attention to detail and ability to identify risks at an early stage
  • Ability to keep up to date with industry best practice in respect of BTL underwriting/policy.
  • Capable and experienced of dealing with a high volume workflow and prioritising accordingly.
  • Strong understanding of Treating Customers Fairly (TCF) and Conduct Risk
Rewards and benefits:
Not only do we provide the opportunity to make a valuable contribution to our business, we want to recognise and reward that contribution. We do this through an excellent benefits package that offers real reward:
  • 27 days holiday plus bank holidays
  • Excellent bonus scheme
  • Private Medical Insurance
  • Money Purchase Pension scheme to which we contribute
  • Health Cash Plan
  • Onsite Gym and Parking
  • Discounted Staff Mortgage facility and Staff Savings Account
Why choose the YBS Group?

Our culture - No matter where you join us, you can be sure of professional, fun and supportive people to work with. We believe this is at the centre of what makes Yorkshire Building Society such a great place to be.

Our vision - Our vision is to be the most trusted provider of Financial Services in the UK. We strive to achieve this by delivering financial security and long-term value to our members along with exceptional service.

Our values - Our values are embedded into every aspect of life here. Even during our recruitment process, you can rest assured that you’ll be treated in the same manner and go through the same steps as other applicants. And if you’re going through one of our Learning & Development programmes, we’ll ensure that you have support and guidance every step of the way.

Yorkshire Building Society Group is an Equal Opportunities Employer.

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