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 provide the BTL team with independent and objective assurance designed to add value to the BTL process. To approve new mortgage applications within the Standard, Professional and Portfolio BTL product offering.

Responsibilities:

• Establish close working relationships with the BTL Underwriting and Credit functions.
• Provide input to, and approval of, Credit decisions within own delegated mandate to ensure prudent growth in the portfolios achieved and underwriting in line with Credit Policy
• Underwrite a higher risk profile of mortgage applications.
• Make lending decisions in line with Credit Risk Policy, Responsible Lending Policy and individual mandate level.
• Act as a referral point for other mortgage underwriters within team, and complete coaching and training activities where required.
• See beyond the individual components of an application and consider the broader customer outcome and need.
• Manage new applications, incoming post and pre-submission referrals within set service standards.
• Proactively manage an assigned pipeline of applications from receipt to completion
• Liaise with a pre-approved panel of Introducers to provide quick, accurate and reliable underwriting decisions.
• Adhere to internal policy and regulatory requirements – FCA, PRA, AML, Prevention of Financial Crime, Data Protection etc.
• Undertake project and ad-hoc pieces of work at management request

Skills and Experience sought 

Essential Experience

• 5-10 years previous underwriting and/or credit exposure within the BTL/PBTL market
• Worked within a regulated environment
• Managing and prioritising own workload
• Liaising with Introducers and/or external customers
• Currently holds a non-entry level lending mandate

Desirable Experience

• CeMAP qualified

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 Bonus package
• 26 Days Holiday
• 2 Wellbeing Days
• Contributory Pension
• Life Insurance / Income Protection / Critical Illness cover
• Private Medical Insurance
• Season Ticket Loans
• Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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