Grow with UTB

Role Purpose: 

To be responsible for the allocation of work, motivation and monitoring of a team of Roving Underwriters, processing first and second charge lending products.

Responsibilities:

• Manage the processing of applications received from brokers and prepare for submission to the underwriting function
• Liaise with surveyors, solicitors, other lenders, brokers and consumers to gather the necessary documentation and information to meet lending requirements
• Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual mandate level
• Work alongside the Underwriting Managers, Head of Underwriting, Commercial Director and Sales function to provide training, product and underwriting support to a network of national introducers
• Manage the allocation of applications, incoming post, diary tasks and pre-submission referrals, including formal DIP referrals
• Ensure that applications 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.
• Identify opportunities and proactively make recommendations for continuous improvement
• Undertake project and ad-hoc pieces of work at management request

Skills and Experience sought:

Essential Experience

• 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 and/or external customers

Desirable Experience

• 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.

Click here to apply >