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Second Charge Mortgage Underwriter

An opportunity has arisen to join our Second Charge 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 2nd charge 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.

Software Developer

An opportunity has arisen to join our busy tech team based at our head office in Borehamwood. We are looking for an experienced Software Developer (PHP Developer / Full Stack Developer) to assist in the development and maintenance of ENRA’s software products.

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

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Job Description

Key Accountabilities

  • Help develop and maintain the company’s software applications.
  • Provide technical expertise (in relation to performance, reliability, scalability and security) to help guide decision making.
  • Write technical and non-technical specifications.
  • Review technical and non-technical specifications and cost them.
  • Effectively manage time and convey progress whilst working on multiple tasks.
  • Assist in improving the company’s deployment processes.
  • Help maintain and manage documentation.
  • Interpret and evaluate business requirements and contribute to the design of applications.

Skills & Competencies

  • Good communication skills - able to understand and explain complex concepts in non-technical language; able to contribute effectively to team meetings.
  • Team player - able to get on well with other members of the team; collaborate; and compromise.
  • Problem solver - able to apply knowledge, logic and imagination to make sense of complex problems and develop solutions to solve them.
  • Reliable and trustworthy - conscientious, and focused on working for the good of the team and the company. Willing to follow processes, meet deadlines, and provide advanced notice if unable to meet commitments.

Knowledge & Qualifications

  • Strong Object Oriented PHP 7 programming skills
  • Strong JavaScript programming skills
  • Strong command line use of GIT
  • Previous experience administering Linux servers
  • Previous experience setting-up and maintaining CI/CD pipelines
  • Previous experience of using Laravel/Lumen frameworks
  • Previous experience of using the Zend 3 framework
  • Previous experience of using Vue.js
  • Previous experience of using Jira

Personal Attributes

  • Enthusiastic "can do" attitude
  • Proactive
  • Analytical
  • Organised
  • Calm under pressure
  • Enjoys working as part of a team

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.

More

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.