Product Features
Blog
Contact Us
Sign In
The Curve Group
,
Wilmslow, Cheshire
Underwriter
|
|
Job Type: Full-time |
|---|
Overview
Specialist Underwriter Wilmslow Heard of us? We're an award-winning bank; backing people to fulfil life's hopes and dreams. Now is your chance… You will be joining an experienced team of specialist mortgage underwriters, our aim as a team is to put the customer at the heart of everything we do. You will own the customer journey from application to offer stage - underwriting cases for limited companies and individuals in the Buy to Let space. Based in our dynamic Wilmslow office, you will sit amongst a team of 7 and report to the Operations Manager. What would your day look like? To review in full all mortgage applications, and supporting documentation in line with bank criteria and delegated risk authority 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 buy-to-let and commercial portfolio 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 commercial lending policy. Underwrite to external scheme rules or third party requirements, such as government schemes (HTB) or high LTV product policies. Ability to assess and underwrite applications ranging from £25k to in excess of £1m aggregated exposures, across a range of mortgage type, such as HMO's, MUF's, standard buy-to-lets and private residences. Constructing lending rationales for large portfolio lending, from a varied applicant type including private individuals, limited companies and other legal entities Employ knowledge of financial accounting to asses both individual and company income and performance information in support of application Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts and ensure the customer is fully aware of their responsibilities under their mortgage T&C's What do we expect of you? Detailed knowledge of buy-to-let and commercial portfolio lending in order to interpret and asses all key factors, demonstrating comprehension for the level of risk and supporting collateral. Experience of working with Intermediaries and direct customers Experience of working to package and asses mortgage applications Ability to adapt to change, deliver in a fast paced environment Having a proactive approach, with a keen desire to provide excellent customer service, and delivery for our customers What can you expect of us? A friendly and flexible culture, synonymous with our proposition to our Customers. A smart yet comfortable working environment, well located for the daily commute and those lunchtime errands. A growing organisation that defines itself as being nimble, lean and strong. A drive for continuous improvement, for which you will be empowered to get behind from day one. A visible and approachable ExCo; who you will very likely to bump into whilst making your morning coffee. And of course you will be compensated competitively, with a good range of core benefits and bonus potential. Still Curious? A lot can happen in a year In 2019 Aldermore Group was formed; bringing together two very successful businesses, Aldermore Bank and MotoNovo Finance, under the First Rand umbrella. Whilst our parent company operates internationally from their HQ in South Africa, we are a UK-based financial services specialist that supports our customers across a range of products and services, with hubs throughout the UK, including London, Reading, Manchester and Cardiff. We also celebrated our 10th Birthday and fundamentally 10 years of helping those with ideas; by saying yes to our customers. We've propelled entrepreneurs on their journeys; we've given first-timers a leg-up onto the property ladder; and we've opened up the lending market to many. As for what the next 12 months has to offer; we are embarking upon the delivery of our Purpose; a Purpose that underpins our next 3 to 5 years as a growing business. Join us today and we will make the same Promises to you as an employee, as we do to each of our Customers. We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR. Where a DBS check or CIFAS check is identified as necessary, all application forms, job adverts and recruitment briefs will contain a statement that an application for a DBS certificate or a CIFAS check will be submitted in the event of the individual being offered the position. Aldermore is an equal opportunities employer .