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If you have experience in Credit Underwriting and evaluating Buy-to-Let mortgage applications from a banking environment then we would love to hear from you.
Credit Underwriting Officer
London - 4 days in the office with 1 day from home
Salary circa £45 - £55,000 pa plus benefits
The Credit Underwriting Specialist will be responsible for evaluating BTL mortgage applications for portfolio landlords in accordance with company policies and regulatory guidelines. This role involves a detailed analysis of financial documents and credit information to assess the risk and eligibility of applicants.
Day to day responsibilities will consist of, but not be exhaustive of:
- Review and analyse residential real estate loan applications and supporting documentation.
- Assess the creditworthiness and financial stability of loan applicants (usually Limited companies).
- Ensure compliance with all company policies and regulatory requirements (SS13/16).
- Provide detailed recommendations to the Senior Credit Manager and the Banks Credit Committee on the strengths and weaknesses of each application.
- Support the Credit Administration Team in preparation of the Facility Letter and other supporting documentation.
- Identify and resolve any discrepancies in documentation or information provided in support of loan applications.
- Collaborate with the business team members to ensure smooth loan processing.
- Assist the Manager in management of the RRE Portfolio including analysis of the performance of existing facilities as part of the Banks annual review process.
The successful candidate will have:
- Excellent analytical skills and knowledge of analysing financial Accounts and balance sheets
- Strong Microsoft Office skills
- Flexible approach to meet changing requirements and the ability to perform under pressure within time constraints
- Ability to work under pressure without compromising quality
- Excellent written, oral communication and presentation skills
Please get in touch to find out more information.
