Remote Mortgage Underwriter

Cantello Tayler Recruitment
Bournemouth, UK
08 Jun 2019
03 Jul 2019
Contract Type
Full Time
Our client is a specialist modern mortgage lender which offers first and second charge mortgages to customers who may not fit the criteria demanded by high street banks. They are a new, fast-growing business that wants to change the face of the UK mortgage market!

They are seeking Remote Underwriters to be home based to join them working as part of their New Lending Team to ensure effective processing of all mortgage applications, develop successful relationships with brokers and advisors, and identify and implement operational efficiencies to improve service.

The ideal candidate with have manual underwriting experience, ideally mandated for both buy to let and residential mortgages.

Key Responsibilities will include:

* Underwrite and decision mortgage applications ensuring you deliver exceptional customer service, whilst complying with all regulatory and conduct risk in adherence to lending policy

* Maintain an up to date working knowledge of products and policies, and assist in implementing changes in line with risk appetite

* Maintain skills and knowledge of Regulations and Legislation responsibilities

* Consider mortgage applications outside standard lending policy where a justifiable business reason exists

* Interaction with both internal and external customers on mortgage lending decisions.

* Ensure that all complaints are handled in accordance with the Complaints Handling Procedures referring to appropriate departments as and when appropriate delivery of any changes to the system or processes

* Ensure responsibilities regarding Treating Customers Fairly, the Prevention of Financial Crime (including AML, identification and reporting of fraud) and responsible lending are carried out effectively and in accordance with the Company's policies

* Ability to manage and organise own caseload in line with the priorities of the business

* Build successful relationships across the business especially within the Credit and Sales functions

* On occasion be a representative of the business at third party locations

To be successful in this role you will have:

* Extensive experience of mortgage underwriting, the mortgage intermediary market, its products, marketing approach and processes

* Manual residential/BTL mortgage underwriting experience and have recently held or currently be holding a lending mandate

* Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment

* Demonstrable understanding of TCF, responsible lending and regulatory knowledge

* CeMap qualified or industry equivalent - desirable but not essential

* Ability to demonstrate a proactive, hardworking, flexible and able to work under own initiative but also a team player

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