Grow with UTB

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

Role Purpose:

To be responsible for the allocation of work, motivation and monitoring of a team of Assistant Underwriters and Completion Officers, assisting Residential and Buy to Let mortgage underwriters with the packaging and processing of new applications through to completion, for a variety of first and second charge lending products.

Role Responsibilities:

• Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual mandate level.
• Liaise with surveyors, solicitors, other lenders, brokers and consumers to gather the necessary documentation and information to meet lending requirements.
• Work alongside the Senior Management Team in Residential and BTL Underwriting to proactively drive the continuous development of an underwriting support and completions function.
• Manage the allocation of new residential and buy to let applications, diary tasks, special condition tasks, product transfer tasks and funds release tasks.
• Ensure that all tasks are processed within set service standards and in line with key performance indicators.
• Complete people management activity within the team, including monthly 1 to 1’s, performance monitoring and objective reviews.
• Conduct regular first line quality checks and feedback results.
• Adhere to internal policy and regulatory requirements – FCA, PRA, AML, Prevention of Financial Crime, Data Protection etc

Skills and Experience sought:

Essential Experience

• Previous post-offer pipeline management exposure within a first or second mortgage environment
• Previous 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
• Liaising with Introducers, Solicitors and/or external customer

Desirable

• CeMap qualified, or part qualified
• Currently holds a lending mandate

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.

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