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Compliance Lead (projects and advisory)

The purpose of this role is to provide expert support to the business with the implementation of regulatory and legislative changes as well as provide advice on financial services regulatory and legislative requirements. The role includes tailoring the support to effectively engage with all levels of staff within the business and to be a point of assurance on all regulatory and legislative change.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Maintain key compliance registers such as the regulatory risk register, Data protection risk register, horizon scanning register, rules mapping register, FCA interactions log, policy index, regulatory policy and developments register, FLA attestation log, compliance training modules log
  • Produce regulatory development updates, in various formats, as required, for the business
  • Provide specialist compliance input, advice, support and rules interpretation to both line and project managers on projects and business developments in order that they meet regulatory requirements.
  • Represent Compliance at project team meetings and at other forums, including external forums where relevant.
  • Responsible for keeping the business updated on changes to legislation and regulation in order that policies remain up to date
  • Review and maintain compliance training before release to ensure this meets all regulatory and legislative requirements
  • Preparing and submitting applications to the FCA in respect of any changes to approved persons or the business or FCA requests for information
  • Support the business by providing training to Senior Management Functions on their responsibilities under the FCA’s code of conduct. Carrying out annual assessments of their fitness and propriety, carrying through any actions because of this
  • Build and maintain strong business relationship with the business key stakeholders

Skills & Competencies

  • Preferably competent in FCA - PRIN, FIT, PERG, SYSC, MCOB, COCON, COND, TC, MIPRU, CASS, SUP, FC
  • Project management skills with PRINCE 2 or equivalent an advantage
  • Pass internal competency tests post induction
  • At least 3 years in a similar financial services compliance role
  • Experience in and knowledge of navigating and interpreting the FCA handbook
  • Experience in and knowledge of navigating and interpreting the GDPR and DPA
  • Analysis of Management information

Knowledge & Qualifications

  • IT literate with advanced Excel and PowerPoint skills
  • Minimum of 5 GCSE’s grade C or above
  • Ideally Educated to degree standard
  • Ideally hold a full CeMAP, ICA or equivalent or studying towards
  • Ideally hold PRINCE 2 qualification or equivalent
  • Working for a lender or a brokerage is an advantage

Personal Attributes

  • Excellent communication skills
  • Excellent analytical skills
  • Resilient and flexible
  • Team Player across both the team and the company
  • Approachable and self- motivated
  • Willing to lead and take responsibility for their role output
  • Ability to analyse and present complex information in a clear, relevant, and interesting way


How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Underwriting Case Manager (BTL)

To underwrite, maintain and manage a pipeline of BTL 1st charge cases from application to offer stage.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactive chasing of outstanding information from third parties and timely updates to introducers to enable service excellence
  • Recommending and referring cases to the relevant mandate holders for approval
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to offer
  • Update all relevant systems to maintain management information

Skills & Competencies

  • Pass internal competency tests post induction
  • Very good organisational skills
  • Good verbal & written communication skills
  • Attention to detail
  • Time management
  • Competent user of Microsoft office software

Knowledge & Qualifications

  • Experience within the secured lending sector
  • A good understanding of the underwriting process
  • Previous experience of managing a caseload in a fast-paced environment
  • Industry relevant qualifications are beneficial but not a requirement

Personal Attributes

  • Driven to achieve results
  • Tenacious
  • Personable
  • Able to flex style

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Digital Marketing Executive

Responsible for assisting the planning, execution, and optimisation of our digital and online marketing activity. Leading on the promotion of campaigns, content, and communications throughout our digital channels.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Execution of digital marketing activity in line with global marketing strategy, agreed yearly priorities and in line with company objectives.
  • Digital Campaign Execution – Working with the Brand Marketing Manager and Partner Marketing Manager to build, plan and execute digital activities through campaigns and content marketing.
  • Digital Marketing Mix - Experiment with a variety of organic and paid acquisition channels across the marketing mix – including email marketing strategies, digital automation campaigns, social media, pay per click campaigns, lead generation campaigns.
  • Hubspot CRM Management - Ownership and management of Hubspot CRM for website CMS, digital campaign scheduling, email marketing, automation strategies and full database management.
  • Active involvement in SEO efforts, website content and CMS management.
  • Social Media Management – Plans and execute social media strategy for all brands.
  • Reporting - Monitor and report on effectiveness of digital marketing communications & campaigns.

Skills & Competencies

  • Demonstrable experience of using Hubspot for email marketing, automated campaigns, CMS management and reporting.
  • Social Media management experience – LinkedIn & Twitter

Knowledge & Qualifications

  • Hubspot experienced user.
  • Minimum 2 years in digital marketing role

Personal Attributes

  • Team player
  • Flexibility when working on projects and to tight deadlines
  • Ability to work independently
  • Creativity and confidence to contribute new campaign and brand ideas

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Deputy Finance Director

The current incumbent is expected to retire within the next 12 months and a replacement is being sought, reporting to the Finance Director initially, but eventually the Group CFO, to progressively take over to day to day running of the internal & external finance activities of the group.

The Finance department is currently organized on a product basis with dedicated teams -responsible short term, medium term, broking and group functions. Alongside the usual finance operations there is a large amount of treasury operations which necessitate a close working relationship with the business.

The finance team works closely with Director, Funding Solutions, and the lending and servicing teams.


To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Board reporting.
  • Responsible for all internal & external reporting including management accounts, statutory accounts, & regulatory reporting
  • Management of operational funding & covenants including communication with funders (working closely with Director, Funding Solutions who has responsibility for strategy and ensuring sufficient liquidity in situ)
  • Lead for future securitisations (funds flow and accounting)
  • Lead the annual budgeting process.
  • Liaison with auditors
  • Certified individual for the management of Client Money Responsibilities
  • Take responsibility for the production of required data & accounting records to support future securitizations.
  • Financial control, taxation and payroll.
  • Development of team

Skills & Competencies

  • Pass internal competency tests post induction.

Knowledge & Qualifications

  • Ideally exposure to the securitization of a RMBS portfolio
  • Management & development of a team of qualified and part qualified accountants
  • Financial services

Personal Attributes

  • Robust and ambitious individual who thrives on a fast pace and relishes an unusually close partnership with all aspects of the business

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Buy-To-Let Mortgage Underwriter

An opportunity has arisen to join our buy to let underwriting team based at our head office in Borehamwood. The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

    • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
    • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
    • Proactive chasing of outstanding information from third parties and timely updates to introducers to enable service excellence
    • Recommending and referring cases to Credit Committee where credit committee approval required.
    • Liaising with introducers, valuers and solicitors
    • Overseeing cases from inception through to completion

Skills & Competencies

  • Excellent attention to detail
  • Strong organisational skills
  • Ability to perform under pressure and meet deadlines

Knowledge & Qualifications

  • Experience underwriting mortgage applications, specifically within the BTL market.
  • A strong understanding of the UK housing market and FCA regulation.
  • CeMAP (desirable, not essential) or a willingness to study for this qualification

Personal Attributes

  • Excellent communication skills
  • Resilient and flexible
  • Team Player
  • Approachable and self- motivated

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Senior Bridging Underwriter

An opportunity has arisen to join our successful bridging underwriting team based at our head office in Borehamwood. The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Managing the entire lending process from application through to drawdown whilst adhering to underwriting and due diligence processes.
  • Effectively manage the lending process by liaising with internal departments and external parties.
  • Instructing Solicitors once offer is made and providing all relevant documentation.
  • Support team members and coach other underwriters.
  • Act with integrity and embrace philosophy of TCF guidelines and adhere to responsible lending principles.
  • Demonstrating deep underwriting knowledge and expertise.
  • Be willing to assist the wider team when required.

Skills & Competencies

  • Excellent attention to detail
  • Strong organisational skills
  • Ability to perform under pressure and meet deadlines

Knowledge & Qualifications

  • Experience underwriting mortgage applications, specifically within the Bridging and/or development market.
  • A strong understanding of the UK housing market and FCA regulation.
  • CeMAP (desirable, not essential) or a willingness to study for this qualification

Personal Attributes

  • Excellent communication skills
  • Resilient and flexible
  • Able to work under pressure
  • Approachable and self- motivated

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.