Mortgage Underwriter
CurrentKey skills and competencies• Analytical skills – I assess risk in line with policy, risk appetite, and regulatory requirements. My Quality Assurance results confirm that my attention to detail is excellent and I ensure my expertise grows by keeping up to date with ever-changing policies and procedures.• Customer Focused – I consider the full picture and balance good lending decisions with low customer effort and the right customer outcome.• Strong team player – I am a positive and empathic person. I thoroughly enjoy collaborating, build relationships easily and set a good example to others.• Excellent communicator – I am professional when corresponding with both internal and external customers. I play an active part in team meetings and work discussions, providing feedback and suggestions. Key responsibilities• Processing mortgage applications (Lending into Retirement and Holiday Let), analysing verification documents, searches/reports within the relevant Service Level Agreements.• Assessing risk in line with policy, risk appetite and regulatory requirements. Problem solving and offering suitable alternatives to provide the best customer outcomes. • Assisting with both internal and external queries. Liaising with both internal and external customers including the Business Development and Financial Crime teams.• Corresponding in a professional and timely manner. Building strong relationships and ensuring customer effort and speed to offer is kept to a minimum.• Keeping up to date with policy and procedural changes and complete all mandatory training. Achievements• Selected to quality check new colleagues, providing coaching and feedback and enabling them to obtain their underwriting mandates.• Achieving both excellent speed to offer and quality results.• Receiving praise for customer service.
