We have a fantastic opportunity to join our Lifetime Mortgage Underwriting Team as a Mortgage Underwriter on a permanent basis from our Reigate office.
This is a great role which will see you reviewing and approving lifetime mortgage applications to an agreed mandate level and acting as a subject matter expert for Lifetime Mortgages in respect of acquisition, ensuring that lifetime mortgages are originated within the businesses risk appetite and in accordance with appropriate policies.
Working in the Underwriting centre of excellence you will exercise discretion on cases outside of standard lending policy balancing risks within the overall business risk appetite. You will also act as a source of advice and guidance in interpreting Lending Policy to brokers and other team members.
Finally and where required you act as the senior underwriter in the team, helping the Underwriting team develop the skills and competency required to deliver the high quality decisions that the business demands. On occasion you will also act as the deputy to the Credit Policy manager as part of your longer term personal development plan.
Skills we are looking for
•Experience of working for a mortgage lender within a new business environment, holding a personal mandate to approve mortgage applications for at least 24 months.
•Good knowledge of secured lending and property related matters with an ability to interpret and communicate lending policy,
•Ability to make sound discretionary lending decisions within an agreed risk appetite and Lending Policy, being able to exercise discretion on cases outside of standard lending policy.
•Ability to coherently and accurately summarise information regarding lending and property issues and make risk based recommendations or decisions.
•Ability to mentor, train and coach others in technical areas.
•Able to demonstrate the capability to lead, on a day to day basis, a small team of experienced underwriters.
Where we are
Our Head office is based in the market town of Reigate in Surrey. We are easily accessible with public transport, with direct train links from London and only 2 miles from the M25.