Company Description
Benefits of working at Together
1. 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
2. Free access to company holiday homes
3. Buy & sell holidays
4. Discretionary annual bonus plus an additional Shared Reward Bonus
5. Matched pension contribution
6. Health cash plan plus Private medical insurance
7. Life assurance and Critical illness cover
8. Travel season ticket loans and Ride to work scheme
9. Free local gym access
10. Local bar / restaurant discounts
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Company Description
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.
We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
Job Description
As an Underwriter, you will accurately underwrite, mandate and complete mortgage and secured loan applications to ensure that we minimise risk to the business and reach the right customer outcome. Focusing on service delivery by following group lending criteria, policies and procedures, you will proactively manage customer and broker relationships whilst delivering a seamless level of service to increase future business.
As an Underwriter, we are looking for someone to:
11. Assess all higher value and complex cases from direct customers and broker intermediaries to make informed underwriting decisions that are in line with company policies, procedures and lending criteria
12. Assess the risk and provide a rationale on each application ensuring that the loan is affordable, and sustainable
13. Provide mortgage offers in accordance with agreed service levels
14. Identify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customer
15. Manage the end-to-end pipeline of cases for both pre- and post-offer, using a proactive approach in managing brokers and third parties to ensure Service Level Agreements (SLAs) are met
16. Liaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
17. Act as a point of contact for intermediaries to answer their general and case specific queries
Qualifications
Essential
18. Previous mortgage underwriting experience
19. Ability to make positive lending decisions on business unusual cases
20. Ability to work under pressure and to strict deadlines
21. Experience of dealing with customers
22. Possess strong objection handling and problem solving skills
23. Strong planning and organisational skills
24. Excellent attention to detail
Desirable
25. Experience of managing broker relationships
26. Underwriting experience of bridging and term loans
If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you in regards to your suitability for the role.
Additional Information
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.