Residential Mortgage Underwriter

Team Mortgages, Operations

Location Holborn Office

County Central London

Ref # 18605

Closing Date 03-Mar-2023

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  Supporting and guiding colleagues on all matters relating to underwriting and mortgage completions
• Making mortgage lending decisions in line with your delegated lending authority and Metro Bank’s lending policy
• Managing high volumes of new applications and enquiries and completing them within our service level agreements (SLAs)
• You will also contribute to the development of the bank’s mortgage proposition with customer and intermediaries
• Working closely with other Mortgage Underwriters and the wider Mortgages and Private Banking teams, playing a really important role in the mortgage determination process

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  Passionate about providing unparalleled levels of service and convenience for customers
• Able to work and learn quickly in a fast paced, fun and dynamic environment
• Prepared to stick at something – we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
• Care about doing a great job and exceeding expectations with the quality of what you do

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  On this occasion, we are looking for Retail Mortgage Underwriting experience, and this must include holding an approval authority/mandate in Residential First Charge lending
• You will also bring excellent knowledge of mortgage regulation and legal requirements surrounding mortgage underwriting
• Experience in Buy-to-Let that would be good but is not essential
• To be successful in this role, you will have good experience of mortgage assessment techniques and tools
• Naturally you will have a good understanding of the current mortgage industry trends, competitors and products (including portfolio buy-to-let, limited company buy-to-let, near/subprime, shared ownership and government lending schemes)
• If you have a CeMAP qualification, or equivalent, that would be advantageous, however this is not an essential requirement
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Important Footnote Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!