Mortgage Underwriter

Leeds, West Yorkshire, England, United Kingdom
Full-time
Posted

Description

Reports to
Customer Account Team Manager
Location
Thorpe Park Leeds, LS15
Hours of work
37.5 hours per week (hours of work will be flexible and dictated by the needs of the business, therefore it is expected that the successful applicant will work those hours necessary to successfully discharge the duties of the role).
The Role
Overview
Responsible for managing and maintaining post completion Lifetime Mortgage Customer Accounts.
To assess mortgage applications from existing customers who want further borrowing or to move home, in addition to other post completion queries. Providing the highest level of customer service and ensuring all queries are actioned within agreed service Levels.
Key Outputs

  • Deal with inbound & outbound Customer Account post completion calls.
  • Take full case ownership of applications from existing customers moving home from enquiry to completion.
  • Underwrite additional lending applications from enquiry to completion.
  • Underwrite post completion valuation reports and prepare offers with the relevant special conditions added.
  • Accountability for own underwriting decisions.
  • Deal with any post completion changes to the property i.e part sale of land or adding or removing a borrower.
  • General maintenance of customer accounts ensuring that all client file notes are always complete and up to date.
  • Liaise with valuers, solicitors and intermediaries as appropriate.
  • Ensure that all business written complies with the Companys and funders lending criteria.
  • Adhere to all anti-money laundering, data protection and other regulatory requirements.
  • Ensure all applications comply with Equity Release Council Guidelines.
  • Report any concerns to Team Manager.
  • Contribute to the development of Companys TCF policy and T&C regime.
  • Other ad hoc duties as required.

This job description is not exhaustive and serves only as a broad outline of the duties required. This job description may be amended as necessary.
The Person
Overview

  • A presentable and highly organised individual with a keen attention to detail and a methodical approach to their work.
  • Must have the ability to prioritise and work to strict deadlines. An approachable, customer service focused individual who has good technical ability, shows excellent attention to detail and a proven ability to work using own initiative.
  • An adaptable person who is able to deal with frequent changes in processes and criteria.
  • The individual should be a team player with excellent customer focus, and an effective communicator. They should also be able to handle sensitive issues in a sympathetic and professional manner.

Skills & Experience
Mandatory

  • Analytical and methodical thinking
  • Excellent customer service skills and telephone manner
  • Excellent empathy skills and caring compassionate nature
  • Good technical ability
  • Good decision making skills
  • Excellent organisation skills and ability to prioritise workload

Desirable

  • Previous experience in equity release
  • 12+ months experience in underwriting or advisor role

Qualifications
Mandatory

  • Grade C or higher in Maths & English GCSE or equivalent

Desirable

  • CeMAP
  • CeRER

Job Type: Full-time

Salary: £24,500.00-£28,500.00 per year

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