Role Purpose
To work as part of the Senior Management Team within the Residential Underwriting function, with primary responsibility for the pre offer element of the loan application process. To successfully manage Team Leaders, and work with the Sales Department and our Brokers to foster a best in class application process across a mixture of First Charge Mortgages, BTL and Second Charge Loans.
Key Responsibilities
* Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual Mandate level.
* To ensure that applications are processed within set service standards and in line with key performance indicators.
* Work with the Head of Residential Mortgages, Offer and Completion Manager, Head of BTL, QA Manager and Customer Experience Manager to provide feedback, training needs, underwriting support and continuous improvement.
* Complete people management activity, including quarterly 1 to 1's, performance monitoring and objective reviews
* Work with the Sales Department and the Team Managers to provide external support to our network of national introducers
* Adhere to internal policy and regulatory requirements - FCA, PRA, AML, Prevention of Financial Crime, Data Protection etc.
* Identify opportunities and proactively make recommendations for continuous improvement.
Skills and Experience
* Previous team management, underwriting, credit or lending exposure within a first or second mortgage environment
* Strong understanding of the regulatory environment
* Managing and prioritising work for a team of people
* CeMap qualified, or part qualified
* Currently holds a lending mandate
* Liaising with internal stakeholders, Introducers and/or external customer
Equal Opportunities
We're an equal opportunity employer, which means we'll consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we're committed to creating an inclusive environment for all employees. During the application process, you will be asked to complete an equality questionnaire on a voluntary basis and any data we collect will be treated confidentially and used for evaluation purposes. This will be for a period of 6 months or longer with your permission. This helps us understand our applicants so we can make sure we are doing everything we can to attract a diverse range of people and ensure our recruitment processes are fair and inclusive.