Mortgage Underwriter BTL Mortgages - FTC

Our Client is a globally recognised, successful bank who provide world-class services to various institutions and individuals. Offering a comprehensive range of retail and corporate financial services/products, this thriving business boasts over 10 million active customers in over 700 business locations. Due to business requirements, we are now looking to acquire the services of an experienced Mortgage Underwriter.

• Please note that this is a hybrid role with 3 days in the office and 2 days working from home

The purpose of the role is to support the implementation of various activities of the Credit Risk Department, primarily credit assessment and full account management responsibility for the Portfolio files that the Head of Credit Risk may assign / allocate to you from time to time.
Experience in the financing of Mortgages for UK Buy to Let Residents as well as the laws guiding this within the UK regulatory landscape, and familiarity with credit decisioning methodologies within this space will be an added advantage.

• Process credit applications (including Moody’s Risk Calc financial spreads for FIs and Corporates – as applicable) and make recommendations, highlighting all risk issues pertinent to the credit decision.
• Justify credit decisions, both verbally and in writing
• Give initial feedback on prospective and existing customer requests to Account Relationship Managers
• Give constructive feedback on the work produced by fellow Credit Analysis team members
• Ensure quick turnaround of credit requests and ensure the Credit Application Status Log is updated daily

• Undertake detailed credit research into countries, industry/sectors, individual borrowers/counter parties in your portfolio using financial and non-financial sources
• Participate in customer due diligence site visits, calls, and meetings. Prepare call reports for each visit/call/meeting within one week of the event.
• Prepare for and attend Risk Committee meetings as appropriate
• Display knowledge/understanding of the portfolio
• Prepare in a timely manner, reports/memos, minutes, meeting/visit/call notes for all submissions under your responsibility or as directed by the Head of Credit Analysis

• Develop and maintain a sound 360 degree understanding of your client portfolio
• Monitor the risk of client portfolios to ensure they stay within agreed parameters of the Credit Policy and the Risk Appetite Statement.

• Contribute to the Credit Analysis Department’s compliance and audit readiness by making sure that:
• All customer and internal correspondence are of the highest quality

• Previous credit risk analysis experience gained within a banking environment.
• A proven ability in Credit Risk identification and control
• Experience with transaction structuring and financial/cash flow modelling
• Exposure to frontier and emerging markets, preferably Africa, would be an added advantage

• Up to 10% employer pension contribution
• Life Assurance Cover
• Income protection
• Private Medical Insurance plan (upon successful completion of probation period)
• Contribution to glasses/contacts and eye testing
• Gym subsidy (up to £50 per month)
• Cycle to work scheme
• Employee Assistance Program
• Interest Free season ticket loan for travel
• 25 days annual leave, rising to 28 after 3 years and 30 after 8 years’ service
• Give As You Earn (GAYE)

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