Underwriter at Together

Cheadle, England, United Kingdom

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Mortgage LendingIndustries

Requirements

Previous underwriting experience
Ability to make positive lending decisions on business unusual cases
Ability to work under pressure and to strict deadlines
Experience of dealing with customers
Possess strong objection handling and problem solving skills
Strong planning and organisational skills
Excellent attention to detail
(Desirable) Mortgage underwriting experience
(Desirable) Experience of managing mortgage broker relationships
(Desirable) Underwriting experience of bridging and term loans

Responsibilities

Accurately underwrite, mandate and complete mortgage and secured loan applications to ensure that we minimise risk to the business and reach the right customer outcome
Assess all higher value and complex cases from direct customers and broker intermediaries to make informed underwriting decisions that are in line with company policies, procedures and lending criteria
Assess the risk and provide a rationale on each application ensuring that the loan is affordable, and sustainable
Provide mortgage offers in accordance with agreed service levels
Identify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customer
Manage the end-to-end pipeline of cases for both pre- and post-offer, using a proactive approach in managing brokers and third parties to ensure Service Level Agreements (SLAs) are met
Liaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
Act as a point of contact for intermediaries to answer their general and case specific queries

Skills

Key technologies and capabilities for this role

UnderwritingRisk AssessmentMortgage ApplicationsSecured LoansFraud DetectionLending CriteriaBroker ManagementCustomer Relationships

Questions & Answers

Common questions about this position

What benefits does Together offer?

Together offers 26 days holiday plus a birthday day off (increasing to 30 days with service), bank holidays, free access to company holiday homes, buy & sell holidays, discretionary annual bonus plus Shared Reward Bonus, matched pension, health cash plan, private medical insurance, life assurance, critical illness cover, travel season ticket loans, ride to work scheme, free local gym access, and local bar/restaurant discounts.

Is this underwriting position remote or on-site?

The position is on-site.

What are the essential skills required for the Underwriter role?

Essential skills include previous underwriting experience, ability to make positive lending decisions on unusual cases, ability to work under pressure and to strict deadlines, experience dealing with customers, strong objection handling and problem solving skills, strong planning and organisational skills, and excellent attention to detail.

What is the salary for the Underwriter position?

This information is not specified in the job description.

What experience makes a strong candidate for this Underwriter role?

Candidates with previous underwriting experience, especially in mortgages, experience managing mortgage broker relationships, and the ability to handle complex cases under pressure with strong problem-solving skills will stand out.

Together

Mentorship software for employee development

About Together

Together Platform provides mentorship software aimed at improving employee development within organizations. The platform operates as a software-as-a-service (SaaS) solution, allowing companies to access its features online through a subscription model. Users can customize templates for various mentoring formats, create session agendas, and utilize reporting dashboards to assess the effectiveness of their mentorship programs. Together Platform stands out from competitors by achieving a high satisfaction rate of 98% among users, thanks to its effective matching criteria that connect mentors and mentees. The company's goal is to help medium to large enterprises foster professional growth and learning among their employees through well-structured mentorship programs.

Toronto, CanadaHeadquarters

2018Year Founded

$1.5MTotal Funding

SEEDCompany Stage

Enterprise Software, EducationIndustries

11-50Employees

Risks

Integration challenges with Absorb's systems could lead to customer dissatisfaction.

New feature launches may face technical issues, affecting user experience.

Economic downturns could reduce revenue due to dependence on subscription fees.

Differentiation

Together offers customizable templates and session agendas for mentorship programs.

The platform provides AI-driven analytics for deeper insights into mentorship effectiveness.

Together boasts a 98% satisfaction rate in mentor-mentee matching.

Upsides

Integration with LMS is enhancing holistic employee development experiences.

Demand for diversity-focused mentorship programs is rising, supporting underrepresented groups.

Remote work increases the need for virtual mentorship solutions, boosting Together's relevance.

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