Grow with UTB

This role is open to internal applicants only.

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

Role Purpose:

• To assist the Underwriting Manager in maintaining credit standards within the team along with utilisation of mandate for credit sign off in accordance with the Bank’s policy
• Support the Underwriting Manager with managing the Bridging Credit inbox
• To be responsible for supporting, managing and motivating a team of Bridging Underwriting Assistants to meet their key deliverables and objectives to ensure consistency and continued improvement of process and service

Responsibilities:

• Make lending decisions in line with the Bank’s Credit Risk Policy and individual mandate level
• Adhere to internal underwriting policy and regulatory requirements – FCA, PRA, Money Laundering, Prevention of Financial Crime, Data Protection, etc.
• Assisting with the training of new underwriters and underwriting assistants within the Unregulated Underwriting team
• Ensuring that information concerning each loan is accurately and comprehensively entered into the Bank’s electronic systems, both prior to and upon drawdown
• Work alongside the Underwriting Manager to provide training to the wider Bridging Underwriting Team
• Exercise your mandate to include Offer Letter and File drawdown sign off
• Ensure that all applications are processed within set service standards and in line with key performance indicators
• Complete Performance Management activity for UWAs within the team, including monthly 1 to 1’s, performance monitoring and objective reviews
• Identify opportunities and proactively make recommendations for continuous improvement
• Cover for absence or when business levels demand to ensure service levels and standards are maintained
• Undertake project and ad hoc pieces of work at Management request

Skills and Experience sought:

Essential Experience

• Previous Bridging, Underwriting or lending experience within the property environment
• Professional communications skills, able to communicate with businesses and colleagues by telephone, email and face to face
• Strong understanding of the regulatory environment
• Liaising with Introducers and/or external customers
• Highly motivated individual, committed to providing outstanding service to customers and clients

Desirable Experience

• Previously and or holds a lending mandate
• 5+ years Bridging/Internal sales/Business development /Underwriting Experience
• Managing and prioritising work for a team of people

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 discretionary bonus scheme
• matched pension contributions up to 7%
• 26 days annual leave plus two wellbeing days and opportunity to purchase additional holiday
• flexible and hybrid working
• private medical insurance via Vitality
• life, income protection and critical illness insurance
• enhanced family leave pay
• extensive learning and personal development opportunities
• electric car scheme and cycle to work scheme
• season ticket loan
• wellbeing support – discounted gym membership, employee assistance programme, 24/7 private GP access for staff and their immediate family (online), 1:1 key life stage coaching

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

Click here to apply >