Job title: Underwriter

Location: London, Milton Keynes or Wilmslow

Closing date:

Job Summary

To underwrite and process all new home finance applications from receipt of application through to offer. Manage conversations and communications with brokers and internal colleagues effectively to ensure overall positive customer experience. The incumbent will be required to ensure service levels are maintained whilst being mindful of the Credit Risk Governance frameworks in operation within the Bank, such as KYC (Know Your Customer) and Fraud Awareness.

About us

Founded in 2007, we are a challenger bank that operates in accordance with Shariah principles, with offices in London, Milton Keynes and Wilmslow. We offer personal and corporate savings products and finance for UK residential property, in addition to sourcing and advising on UK real estate investments.

Key responsibilities

  • End to end case ownership to ensure overall positive broker / customer outcome.
  • Assess and underwrite new business cases in a pragmatic manner and within Credit Policy KYC guidelines to support the aim of the Bank to be recognised as a Specialist Financer by brokers and customers.
  • Demonstrate a desire to underwrite cases by, where appropriate, suggesting alternative options on how a case may be acceptable as opposed to declining outright whilst still fully complying with Credit Policy and KYC governance. Where a decline decision is required ensure that this is communicated in a clear, concise, and timely manner to ensure that a positive relationship with the Broker / Customer is maintained.
  • Compose Finance rationale that ensures Finance decision is clearly structured and documented covering both credit and CDD (KYC/Anti Money Laundering) in line with policies and any potential risks mitigated.
  • Work cases in an efficient manner utilising the processes and policies in place to contribute to the business meeting agreed Service Level Agreements both internally and externally.
  • Work collaboratively with all functions and business areas ensuring excellent customer service.
  • Be clear and articulate in telephone conversations and written communication with brokers to provide a clear rationale for the decision being conveyed or rationale for additional information being requested, to support the overall service proposition.
  • Demonstrate a “Can Do” attitude with brokers and internal colleagues and manage interactions to support the Bank to deliver an outstanding level of service and be recognised externally for doing so.
  • Any other duties commensurate with the grade and level of responsibility of this role, for which the role holder has the necessary experience and/or training.

Bank Wide Duties

  • Demonstrate strong customer focus, both internally and externally and where applicable promote improvements in customer processes, policies, and engagement.
  • Build and maintain lasting working relationships with fellow colleagues and any relevant external contacts.
  • Always demonstrate the Banks ROC Values & Behaviours.
  • Support the development of a strong team with high standards of risk awareness and ethical behaviour.
  • Follow all policies, procedures, frameworks, rules, and regulations (and any other related documents) applicable to you as an employee of Gatehouse Bank in the performance of your duties.
  • Ensure that the Bank is managed safely by escalating any issues to line management on a timely basis. This includes notification of all risk events.

In addition to the responsibilities summarised above, you are required to comply at all times with the Conduct Rules set out in the FCA Handbook and the PRA Rulebook.

Skills required

  • Credit Referencing report understanding.
  • RICS Valuation.
  • Application Scoring.
  • Risk awareness.
  • Regulatory standards awareness – MCOB (Mortgage Conduct of Business Regulation).
  • Influencing skills (negotiation, persuasion, leadership).
  • Stakeholder Management.
  • Beneficial skills, knowledge, and experience: Understanding of Sharia Banking.

Qualifications

  • GCSE English and Mathematics (or equivalent).
  • Beneficial Qualifications: CeMap or Diploma in Lending Skills.

Additional Details:

We offer highly attractive reward package; the typical benefits include:

  • 25 days holiday entitlement increasing with service
  • Pension plan
  • Private medical insurance
  • Dental cover
  • Income protection
  • Life assurance
  • Employee referral bonus

Gatehouse Bank is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, gender reassignment, religion or belief, marital status, or pregnancy and maternity.

Please be advised that we have an appointed recruitment partner, The Curve Group, to manage our recruitment process and give candidates the best possible experience in pursuing a career with Gatehouse Bank. The personal details you have shared with us may be processed by The Curve Group on behalf of Gatehouse Bank. Full details of their Privacy Policy can be viewed here.

Application

To apply, please send your CV to careers@gatehousebank.com