2nd Charge Mortgage Underwriter

We are currently recruiting for a quality focused, secured loans / 2nd
charge underwriter. Candidates should have at least 3 years recent experience
of underwriting this type of finance and have previously held a mandate

The role will require you to:

• Use your allocated lending mandate to assess and underwrite mortgage
  applications in accordance with all current credit policies, ensuring, to the
  best of your ability, that the property is good security for the loan and that
  the loan will be repaid
• Ensure to the best of your ability that the customer understands the
  loan they are entering into and that the repayments are affordable for the
  customer
• Use your expertise and experience, backed by the tools available to
  you to minimise as far as possible the risk of fraud
• Build excellent working relationships with our introducing broker
  partners and obtain constant feedback
• Liaise effectively with the sales team
• Ensure that the quality of data and documentation is 100% accurate
• Communicate clearly using a variety of methods in an appropriate style
  to ensure that the introducing broker partner and relevant third parties have a
  clear understanding of progress and decisions on individual cases.
• Give and seek guidance and support with valuers, solicitors, introducing broker partners
  and applicants to ensure that the process is as efficient as possible

Required Experience

• At least 3 years’ experience underwriting secured second mortgage
  business
• Experience in a broker introduced environment
• Sound knowledge of the competitive environment for first and second
  mortgage markets
• In-depth understanding of the mortgage completion and legal process
• A direct or previous mandate holder of at least £60,000
• Must have current, sound knowledge of the regulatory environment in
  the UK; in particular, CCA, Mortgage Conduct of Business and TCF requirements
• Strong, tactful communication skills to influence and persuade at all
  levels