Grow with UTB

This is a hybrid role working 3 days in the office (City of London location) and 2 days working from home.

Role Purpose

Lead the maintenance and enhancement of new and existing Mortgages, BTL &Bridging products and pricing strategies that are aligned with the business objectives. Research & scan the market landscape, competitors, new trends to identify opportunities to further develop the product suites.

Responsibilities: 

• Monitor competitor criteria, price and process change within existing product sets. Share/educate with key stakeholders along with recommendations for improvement.
• Ensure any recommendations meet a customer need and are aligned with the banks conduct risk, consumer duty, financial targets and credit risk appetite.
• Work with the immediate management team (Head of Product Development & Director of Proposition & Strategy) to support the existing product range including repricing, structural changes, criteria changes and other enhancements that can be delivered via intermediaries, the businesses portal and other mediums, to maximise sales opportunities and conversion.
• Be a subject matter expert for residential property backed secured lending across the current market, emerging product trends and digital diversification.
• Maintain a close working relationship with the Commercial Director, Directors of Underwriting and Director of Operations opportunities and ensure implemented changes perform as expected.
• Monitor key product indicators and maintain regular dashboards and reporting.

Skills and Experience sought: 

• 5+ years experience within a mortgage or lending environment
• Recent experience of creating or managing retail lending products
• Mortgage/Bridging product management and/or Business Analysis
• Understanding of the mortgage product lifecycle
• Understanding of the regulatory environment and an intermediary sales culture.
• Stakeholder and Change Management

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.

We’re an equal opportunity employer, which means we’ll consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we’re committed to creating an inclusive environment for all employees. During the application process, you will be asked to complete an equality questionnaire on a voluntary basis and any data we collect will be treated confidentially and used for evaluation purposes. This will be for a period of 6 months or longer with your permission. This helps us understand our applicants so we can make sure we are doing everything we can to attract a diverse range of people and ensure our recruitment processes are fair and inclusive.

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

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