Mortgage Underwriter

The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.

Key Accountabilities

1. Enter and update borrower data on Fusion lending platform.
2. Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
3. Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
4. Provide concise and accurate updates to brokers.
5. Proactively chase brokers for outstanding requirements.
6. Ensure all underwriting is in line with Company policy and within regulation.
7. Ensure that all cases are Underwritten within the Groups Risk appetite.
8. Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
9. Maintain a pipeline of cases, overseeing cases from inception through to completion.
10. Maintain broker relationships that are integral to the growth for WOSL.
11. All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.

Skills & Competencies

1. Ability to work as part of a team.
2. Pass internal competency tests post induction.
3. High attention to detail.
4. Good written and verbal communication skills.

Knowledge & Qualifications

1. An understanding of FCA regulation.
2. Experienced in Underwriting Residential / 2nd Charge / BTL Mortgages.
3. CeMAP (desirable, not essential).

Personal Attributes

1. Flexible.
2. Articulate.
3. Well organised.
4. Robust and comfortable working to deadline and under pressure.

Job Type: Full-time

Benefits:

1. Company events
2. Company pension
3. Health & wellbeing programme
4. Life insurance
5. Private dental insurance
6. Private medical insurance
7. Referral programme

Schedule:

1. Monday to Friday

Ability to commute/relocate:

1. Watford: reliably commute or plan to relocate before starting work (required)

Experience:

1. Underwriting: 1 year (preferred)

Licence/Certification:

1. CeMAP (preferred)

Work authorisation:

1. United Kingdom (required)

Work Location: In person