Team Leader, Underwriting - Essex, United Kingdom - Corporate Recruitment Solutions

Corporate Recruitment Solutions
Corporate Recruitment Solutions
Verified Company
Essex, United Kingdom

2 weeks ago

Tom O´Connor

Posted by:

Tom O´Connor

beBee Recruiter
Description

About the Team Leader, Underwriting (Second Charge Mortgages) role:

Our client is a growing, innovative Challenger Bank with a strong appetite to lend supported by an existing geographic footprint, competitive product offering & growing lending book.

As part of the next stage of their growth journey they are looking fora Team Leader, Underwriting (Second Charge Mortgages) to work with an established & busy team


Purpose of the Team Leader, Underwriting (Second Charge Mortgages) role;

  • To manage the Second Charge Mortgage underwriting team.
  • To provide an effective and efficient underwriting team to support the business objectives whilst maintaining the required risk standards.
  • To deliver favourable customer outcomes in terms of credit assessment and customer experience.

Key responsibilities of the Team Leader, Underwriting (Second Charge Mortgages):

  • To analyse and understand credit risks being presented and ensure both Asset Class Policies and Lending Policies are understood and respected across the underwriting team.
  • To embed both the Bank and Division's Risk Management Framework within all activities within the underwriting team.
  • The role holder will be required to exercise a delegated lending authority of up to £500,000 and participate in ad hoc projects as required
  • Lead, manage, and motivate the underwriting team to ensure SLA's & KPI's are achieved
  • To ensure good quality underwriting decisions are made in line with regulatory requirements and within the Bank's risk appetite
  • Proactively manage the performance of the team through a monthly 11 and annual appraisal, providing feedback and coaching to staff. Utilising performance management tools to address any underperformance
  • Compile management information, analysing the data to identify trends and initiate corrective steps to improve business performance and service levels, and the effectiveness and efficiency of the operation
  • Promote and drive forward continuous improvement within the team to ensure changes are implemented and are promoted in a positive manner. Including any central projects

Skills & Experience of the Team Leader, Underwriting (Second Charge Mortgages) role

  • CEMAP Qualification essential
  • Commercial banking/ underwriting experience preferred in Regulated lending
  • Managerial experience
  • Expert industry knowledge in the Regulated mortgage market including an understanding of lending practices in that sector, structure, and risks
  • Demonstrable ability to analysis varying income sources and complex business income structures to make an informed lending decision
  • Excellent customer service, presentation, and negotiation skills
  • Proven creditunderwriting skills within either banking or finance industry
  • Ability to deliver results
  • Good analytical skills, confident and selfassured
  • Strong and proven leadership skills to lead and develop a team by example
  • Ability to work in a changing environment requiring adaptability and flexibility together with the management of people through change
  • Excellent interpersonal skills with the ability to build rapport in order to engage employees and gain support of peers
  • Build a strong balanced and effective team by setting clear goals and expectations
  • Excellent verbal and written communication skills
  • Ability to prioritise and manage multiple business needs and projects working under pressure and to tight deadlines


This is a fantastic opportunity to utilise your banking experience within a dynamic growing organisation & to be part of their increasingly successful story.

More jobs from Corporate Recruitment Solutions
See all jobs of Corporate Recruitment Solutions