- To review in full all mortgage applications up to £800k and supporting documentation in line with bank criteria and delegated risk authority.
- Applying aptitude to structuring detailed lending rationale for each case, demonstrating exceptional ability to interpret information, apply necessary affordability tests and construct risk mitigants to support lending.
- To understand and apply all bank policies applicable to regulatory requirements, lending responsibly, credit risk criteria and fraud prevention.
- To utilise online systems, and apply supporting processes in the end to end review and underwrite of mortgage applications.
- To employ specialist data, from credit reference agencies, fraud prevention agencies and necessary mortgage and market databases to build and package the mortgage application
- Detailed knowledge of Specialist buy-to-let lending in order to interpret and asses all key factors, demonstrating comprehension for the level of risk and supporting collateral.
- Ability to underwrite manually according to both residential and buy-to-let lending policies. Underwrite to external scheme rules or third party requirements, such as government schemes (HTB) or high LTV product policies.
- Interpretation of mortgage market and economic factors to ensure external risk factors are understood relative to each case underwritten
- Ability to assess and underwrite applications ranging from £25k to £1m aggregated exposures, across a range of mortgage types, including owner occupied and standard buy-to-let.
- Employ knowledge of financial accounting to asses both individual and company income and performance information in support of application
- Knowledge of the mortgage market – including owner occupied, private rental sectors.
- Experience of working with Intermediaries and direct customers
- Experience of working to package and asses mortgage applications
- To ideally have held a lending mandate covering either owner occupied or buy to let/company lending
- Having a proactive approach, with a keen desire to provide excellent customer service, and delivery for our customers
- A friendly and flexible culture, the same as how we work with our customers.
- A growing organisation that means there's lots of opportunities to progress
- A drive for continuous improvement, which you will be empowered to get behind from day one.
- And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.
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Property Underwriter - Wilmslow, United Kingdom - Aldermore Bank PLC
Description
Aldermore Group – why we exist
Let us tell you a bit about us
We're Aldermore – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.
We thrive by saying "yes" to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.
This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.
Let us tell you a bit about the opportunity
The Underwriting teams within the Wilmslow Operation review and manage mortgage applications from initial decision stage through to completion and release of funds. The primary role of the Underwriter is working with company lending policies to determine the level of risk for each applicant within parameters of business policies and processes, while presenting all mitigants to support the decision to lend.
To act as an ambassador of the Bank's vision to; Back more people to go for it in life and in business.
What will your day look like?
What do we expect from you?
What can you expect from us?
Still curious?
Join us and we'll make the same promises to you as a colleague, as we do to each of our customers. We're committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you're pregnant or on family leave.
Please note that we have a thorough referencing process, which includes criminal record checks.
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