Job Description

Key Accountabilities

• Liaison with potential and existing investors
• Management of filing system
• Weekly servicing updates and portal overview - acting as liaison with investor base and Servicing Team
• Organising Investor Events - online/live and promotional messaging
• Loan funding - presenting investment opportunity and funding
• IT liaison - overseeing the management of the Investor Portal, product testing, troubleshooting and defining technical requirements of the Investor team
• Trust Schedules - production on completion of loan funding
• On line searches, including but not limited to Credit Searches and Company searches in line with company policy
• Management and maintenance of filing system

Skills & Competencies

• • Attention to detail
  • High quality written and verbal communication
  • Organised and self- motivated
  • Proactive and able to work on own initiative
  • Good PC/keyboard skills as well as proficiency in Microsoft Office (to include Word, Excel and Outlook)

Knowledge & Qualifications

• • Customer Service and experience in a property related role is required.
  • Strong financial awareness and exceptional communications skills required

Personal Attributes

• • Diligent
  • Calm and self-assured
  • Exceptionally well organised
  • Robust and comfortable working to deadline and under pressure
  • Accurate with a keen attention to detail

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.

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.

Job Description

Key Accountabilities

• • Manage & support a team of Underwriters.
    
  • Developing staff and promoting self-improvement within the team.
    
  • Manage the Team in the absence of the Head of Term Lending.
    
  • Maintain broker relationships that are integral to the growth for WOSL.
    
  • Promote our Team Ethic.
    
  • Maintain and review all internal process documents ensuring the relevant information is captured that are used by the admin and underwriting team. Also maintain and review the WOSL procedure document to the required standard ensuring the document covers all processes through the administration process.
    
  • Ensure Monthly One-to-Ones are carried out with the underwriters, ensuring all training/development needs are met.
    
  • Prepare and deliver 6 monthly/Yearly appraisals.
    
  • Ensure all underwriting is in line with Company policy and within regulation.
    
  • Underwrite large loan applications (above £200K) and maintain a pipeline of cases.
    
  • Be a referral point for Underwriters and broker support for queries on applications.
    
  • Liaising with introducers, valuers and solicitors ensuring an excellent relationship is maintained.
    
  • As a Mandate holder ensuring all cases are approved within the Groups risk appetite.

Skills & Competencies

• Excellent Leadership skills
• Ability to work as part of a team
• Pass internal competency tests post induction
• High attention to detail
• Ability to work as part of a team
• Good written and verbal communication skills

Knowledge & Qualifications

• • A strong understanding of FCA regulation
  • Current Mandate Holder to a minimum level of £125k with a Lender that currently operates in the Second charge secured loan market.
  • A minimum of 10 years’ experience, underwriting mortgage applications for a Lender, specifically within the Second charge Secured loan market.
  • CeMAP (desirable, not essential)
  • Minimum of 5 GCSEs A-C (Including Maths and English)

Personal Attributes

• Flexible
• Articulate
• Well organised
• Robust and comfortable working to deadline and under pressure

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.

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.

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.

Job Description

Key Accountabilities

• Manage a caseload while assisting team members to manage their caseload in busy times and in times of absence.
• Identify the most suitable lender for customers and be proactive in dealing with the lender through to completion.
• Liaise with brokers, borrowers, lenders, valuers.
• Ensure SLA’s are maintained and exceeded.
• Maintain full records on systems, including clear and concise notes.
• Assist the team in order to achieve the highest service standards, deliver solutions to customers and help the business achieve its goals and objectives.

Skills & Competencies

• • Pass internal competency tests post induction
  • Good communication skills essential for dealing with brokers, borrowers and lenders
  • A team player
  • Logical and organised

Knowledge & Qualifications

• CeMap qualified, or desire in working towards CeMap qualification.
• Experience of secured broking/packaging/lending.

Personal Attributes

• Proactive and able to identify and highlight areas of opportunity or improvement and advise on actions required
• Ability to analyse and present complex information in a clear, relevant and interesting way
• 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.

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.