Underwriter

Recruiter
Ultimate Banking
Location
Livingston, UK
Salary
Competitive
Posted
20 Sep 2019
Closes
02 Oct 2019
Ref
1230080902
Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
Our client is a specialist Mortgage Broker who is looking for an Underwriter with understanding of more complex products. They package mortgages for over 50 lenders on a 'whole of market' basis and are creating a new team to ensure cases are put forward to lenders to a very high-quality level. In particular they specialist in Self-Build, Renovation and Conversion products and services in the UK and are growing rapidly.

The ideal candidate with have a good understanding of complex mortgage lending, be it from an underwriting, mortgage advising or processing / packaging background.

Salary is up to £25k + bonus / benefits with an OTE of £28k.

Responsibilities:

* Carry out accurate underwriting assessment of applications and supporting financial and build documentation with reference to various lenders' criteria

* Complete appropriate assessment forms/tools to a high standard

* Communicate lender requirements in a professional manner to broker or customer in accordance with lender policy

* Carry out accurate assessment of supporting financial and project documentation when received to ensure compliance with lenders' policy

* Achieve high standard of application submission with minimum of post-submission lender requirements

* Work proactively with brokers, applicants and lenders to achieve mortgage offer within target timescales

Experience/qualifications required

* Min 2 years "Manual" mortgage underwriting experience with knowledge of complex, non-vanilla products

* Excellent communication skills with experience of dealing directly with brokers and customers

* CeMAP qualification preferred

* Experience in assessing applications from self-employed clients with ability to analyse self-employed accounts

* Experience in self-build lending advantageous but not essential

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