Underwriter - Greater Manchester, United Kingdom - Together.

Description

Company DescriptionWere Together the market leading property finance experts with an entrepreneurial spirit.

Based in Cheadle, South Manchester, weve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.

We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders.

Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.

Were looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do and that starts with our brilliantly different team of people.

Job DescriptionAs 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 broker relationships by acting as a point of contact for our brokers and delivering a seamless level of service to increase future business.

As an Underwriter, we are looking for someone to:

Assess all cases from direct customers and broker intermediaries to make informed underwriting decisions that are in line with company policies, procedures and lending criteriaAssess the risk and provide a rationale on each application ensuring that the loan is affordable, and sustainableProvide mortgage offers in accordance with agreed service levelsIdentify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customerManage 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 metLiaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion datesAct as a point of contact for intermediaries to answer their general and case specific queriesQualificationsEssentialPrevious underwriting experience within the secured lending and commercial mortgage marketExcellent attention to detailAbility to make positive lending decisionsAbility to work under pressure and to strict deadlinesExcellent communication skillsExperience of dealing with customersExperience of managing broker relationshipsStrong planning and organisational skillsPossess strong objection handling and problem solving skillsAdditional InformationBenefits working at Together26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidaysBuy & sell holidaysDiscretionary annual bonusMatched pension contributionLife assuranceCritical illness coverHealth cash planPrivate medical insuranceFree access to company holiday homesTravel season ticket loansRide to work schemeFree local gym accessLocal bar / restaurant discountsTogether Money 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.

We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and well do all we can.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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