Finance · Full-time · Wales, United Kingdom
Job Title: Mortgage Underwriter
Location: Cardiff
About Fleet Mortgages
Fleet Mortgages is a major player in the specialist Buy to Let Mortgage market. We are growing our business and have an opportunity for an Underwriter to join our team in Cardiff.
We take pride in our open, inclusive and collaborative culture which recognises that our staff and our customers are very much at the heart of our thriving business.
What we can offer you
We offer a competitive package of benefits including the flexibility to work from home 2 days per week, 25 days annual holiday plus bank holidays with the opportunity to purchase up to 5 additional days, an extra day off on your Birthday, 11% non-contributory pension and a discretionary annual bonus. Furthermore, you would be entitled to free private health insurance, life assurance, income protection and enhanced parental leave packages. We also offer volunteering days and an EV salary sacrifice scheme.
There would also be the opportunity to gain formally recognised industry qualifications within a team oriented and friendly business. As part of your personal career development plan, Fleet Mortgages will fully fund external training courses, for example CeMAP, ACCA, CIMA and CIPD. We also offer a programme of internal and external training course to help your professional and personal development.
Job Purpose
You will be responsible for liaising with brokers to progress mortgage applications from initial receipt through to mortgage offer. In making your decision, you will be involved in ensuring relevant information has been received about both the potential borrower and property to assess both meet Fleet’s criteria and are suitable for lending.
This is a varied role and requires good decision-making and communication skills whilst also needing individuals with an excellent eye for detail. Upon successful completion of your training, you will be mandated up to £500,000.
Who are we looking for?
Experience in the Buy to let Mortgage industry would be an advantage, but we have an excellent training structure so will welcome talented decision-makers who have a desire to provide great service, an eye for detail and are willing and excited to learn.
Previous experience of working within the mortgage industry with a strong underwriting or completions background preferred
Proven ability to exercise good commercial and professional judgment
Excellent communication skills, both written and verbal
PC literate with a good knowledge of Microsoft Office products including Word, Excel, PowerPoint and Outlook
CeMAP preferred or a willingness to study
Key Outputs and Responsibilities
• Work to agreed objectives, service standards and deliverables.
• Ensure relevant documentation and information received is checked for adherence to policy and
criteria.
• Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent
customer service.
• Provide a prompt reply to all written correspondence.
• Develop positive working relationships with colleagues.
• Make suggestions for improvements to processes to enhance service and efficiency.
• Adhere to internal/external compliance, credit review and audit requirements.
• Apply all aspects of the desired consumer outcomes of Treating the Customer Fairly (TCF).
• Use initiative to resolve queries outside own area of expertise.
• Train and mentor new team members.
• Take responsibility for your own learning and development.
• All other associated duties and responsibilities and carry out any tasks as required by
management.