Dual Underwriter

Role Overview:

The successful candidate will be a suitably qualified and experienced Underwriter in the specialist mortgage market, having held a Residential & Buy to Let lending mandate for a minimum of 5 years (£500k desirable).

• Underwrite and decision complex Residential and BTL mortgage applications ensuring you deliver exceptional customer service.
• Operate effectively to achieve agreed production and quality targets and objectives and take responsibility for highlighting any areas of concern.
• Consider mortgage applications outside standard lending policy where a justifiable business reason exists.
• Ensure responsibilities regarding Consumer Duty, the Prevention of Financial Crime (including AML, identification, and reporting of fraud) and responsible lending are carried out effectively and in accordance with the Company’s policies.
• Develop and maintain knowledge of mortgage products and bespoke underwriting capability with an emphasis on understanding of Vida’s risk appetite, products, and criteria.
• Ability to manage and organise own caseload in line with the priorities of the business.

• Extensive experience of specialist mortgage manual underwriting, the mortgage intermediary market, its products, marketing approach and processes.
• Held a specialist residential and BTL lending mandate for a minimum of 2 years.
• A detailed understanding of complex Residential & BTL lending types, such as Portfolio Buy to Let, SPV’s, New Build, Help to Buy/First Home Fund, Contractors, Ex-Pats, Self-Employed, Credit Repair, HMOs and MUBs.
• Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment.
• Demonstrable understanding of Consumer Duty, responsible lending and regulatory knowledge.
• CeMap qualified or industry equivalent – desirable but not essential.
• Able to demonstrate a proactive, hardworking, flexible and able to work under own initiative but also a team player.
• Proficient in MS Office, credit risk decision systems.

We offer a comprehensive benefits package to support our employees’ professional and personal needs. Further details can be provided upon application.