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Trainee Underwriter

The Trainee Underwriter role has been created to give someone with no industry experience the opportunity to learn about the mortgage lending industry and to gain the necessary skills and experience to become an Underwriter.

Working closely over a 12-month period with an experienced member of the underwriting team, your time will be spent learning the wide array of skills involved in secured lending across residential and commercial property in the UK.

This opportunity will help you to obtain new skills and if you satisfactorily complete the 12-month training program, you will be offered an Underwriting role within our growing teams starting you on a career path within the group.

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

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Job Description

Key Accountabilities

  • Learning how to make up case files including basic online searches such as Land Registry, Credit Searches, Company searches, Rightmove searches
  • Understanding how to interpret the above searches and underwrite individual cases ensuring all aspects of our underwriting criteria are met.
  • Data input and management into systems
  • Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Learning how to assess valuation reports as well as monitoring surveyor reports for live construction projects
  • Preparation of loan documentation
  • Assisting underwriters and case managers with preparing credit papers
  • Responsibilities may involve helping relevant teams streamline processes within the organisation
  • All work is to be carried out in accordance with Enra Specialist Finance policies and procedures

This list is not exhaustive and the duties are liable to change from time to time in line with the needs of the department.

Skills & Competencies

  • Pass internal competency tests post induction
  • Positive attitude to develop and expand knowledge
  • Strong organisational skills
  • Ability to perform under pressure and meet deadlines
  • Ability to handle difficult situations in a professional and helpful manner
  • Ability to work as part of a team

Knowledge & Qualifications

  • A robust knowledge of Word, Excel and Outlook is required
  • Previous experience within a customer/client focused role is preferred

Personal Attributes

  • Flexible
  • Articulate
  • Calm and self-assured
  • Well organised


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.

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