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BTL Underwriter / Underwriting / Mortgages / BTL / Commercial / Permanent / Hybrid / Birmingham / £350k Mandate
Our client, a fast-growing Challenger bank is seeking a highly skilled BTL Underwriter to join their dynamic team. You will join a close-knit team of credit professionals and will work with the Relationship Management, Operations, and Risk teams to support brokers and SMEs in underwriting a range of loans including Mortgages & Buy to Let (BTL)
Responsibilities
* Assess and underwrite new lending applications (Mortgages & BTL)
* Prepare detailed underwriting notes in support of credit proposals, approving/rejecting applications in line with policy, or recommending where mandate levels are exceeded
* Support SME customers; check documentation for completeness, adherence to credit policy and ensure full compliance with legislation and regulatory requirements
* Act as a point of contact for queries from brokers/customers
* Provide feedback to Risk, Relationship Management and brokers on the quality and completeness of applications
* Re-underwrite a sample of mortgages/buy-to-let loans acquired by the Bank from third parties to ensure lending criteria and risk appetite are adhered to
* Act, at all times, in line with the Bank’s core values and to ensure good customer outcomes, providing an excellent standard of customer service
* Consistently work in an efficient and productive manner, be curious and raise opportunities for improving the efficiency of processes
Experience
* Underwriting experience - Mortgages & complex Buy to let (BTL)
* Proven critical analysis of prospective borrowers
* Strong understanding of regulatory requirements including BCOBS, MCOB, CONC
Qualifications & Personal Characteristics
* A passion for delivering an exceptional customer experience with a client-centric approach to work.
* A high attention to detail, and sound and reasoned judgement based on an independent and thorough analysis of facts and relevant factors including internal policies and regulations (e.g. CONC)
* A talented collaborator and communicator, able to bring colleagues together to reach the best way forward for the customer and the Bank
* The ability to work in a team environment and build strong working relationships with peers to contribute to team goals
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