Mortgage Underwriter - Fleet Salary: The Underwriter will assess risk and underwrite both personal and Limited Company buy-to-let and bridging mortgage applications. They will be required to adhere to rules set out within the credit framework, as well as adhere to compliance and regulatory policy and procedures.
Analyse and interpret any documentation required (credit bureau, payslips, bank statements, accounts, mortgage statements, assets & liabilities, business plans) to comply with lending policy and protect our interest.
Assess the commercial risk of secured lending applications across multiple asset classes and make recommendations on cases outside of current lending criteri
Provide guidance to customers, brokers, and solicitors on mortgage applications, lending policy, and internal processes and procedures all within a timely manner.
Demonstrate a good understanding of mortgages and underwriting within a specialist lending environment and application of the Lending Policy.
Have a good understanding of all regulatory requirements relating to both personal and Limited Company mortgages.
Proactively progress cases through all stages of the mortgage process; A minimum of 5 years of mortgage underwriting experience with a mandate is desirable
~ A good understanding of mortgages /underwriting with ability to use judgement, balancing commercial risk & opportunity.
~Up-to-date knowledge of FCA /PRA and all relevant regulatory mortgage requirements
~ Flexible approach and “can do” attitude
Competitive salary
~25 days holiday PLUS your BIRTHDAY off
~ Pension contribution with Royal London
~ Life Assurance
~ Private medical, dental and optical health insurance with Axa
~ Hybrid working – Wrexham
~ Free breakfast available
About Chetwood Bank
We’re a UK-based digital bank dedicated to getting the basics right and offering straightforward savings and mortgages
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