Grow with UTB

Role Purpose

To work as part of the Senior Management Team within the Residential Underwriting function, with primary responsibility for the pre offer element of the loan application process. To successfully manage Team Leaders, and work with the Sales Department and our Brokers to foster a best in class application process across a mixture of First Charge Mortgages, BTL and Second Charge Loans.

Key Responsibilities

• Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual Mandate level.
• To ensure that applications are processed within set service standards and in line with key performance indicators.
• Work with the Head of Residential Mortgages, Offer and Completion Manager, Head of BTL, QA Manager and Customer Experience Manager to provide feedback, training needs, underwriting support and continuous improvement.
• Complete people management activity, including quarterly 1 to 1’s, performance monitoring and objective reviews
• Work with the Sales Department and the Team Managers to provide external support to our network of national introducers
• Adhere to internal policy and regulatory requirements – FCA, PRA, AML, Prevention of Financial Crime, Data Protection etc.
• Identify opportunities and proactively make recommendations for continuous improvement.

Skills and Experience 

• Previous team management, underwriting, credit or lending exposure within a first or second mortgage environment
• Strong understanding of the regulatory environment
• Managing and prioritising work for a team of people
• CeMap qualified, or part qualified
• Currently holds a lending mandate
• Liaising with internal stakeholders, Introducers and/or external customer

UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

• Competitive Salary and Bonus package
• 26 Days Holiday
• 2 Wellbeing Days
• Contributory Pension
• Life Insurance / Income Protection / Critical Illness cover
• Private Medical Insurance
• Season Ticket Loans
• Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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