Head of Underwriting


Salary:

GBP80000 - 100000 / annum

Location:

Cardiff

Date posted:

30th April 2019

Employment type:

Permanent

Job reference:

06960-0010868954

Staffing area:

Accounting and Finance


Description

Role

  • Assess new lending applications for quality, credit risk, and adherence with the bank's policies and lending appetite whilst giving a market leading service to the Bank's customers and stakeholders.
  • This may include presenting alternative lending solutions to that originally submitted.
  • Responsibilities will include analysing, assessing and summarising individual property lending cases for Professional Landlords and also trading businesses / owner-occupiers
  • Approving within your own delegated mandate or provide recommendations to the appropriate approval authority.
  • Ensure all mortgage applications and loan modifications are effectively and timely processed in line with mortgage policy, procedures and service level expectations
  • Use your personal lending mandate to underwrite commercial real estate mortgage applications, further advances and loan modifications in line with the organisation's lending policy, ensuring the principles of conduct risk, TCF, responsible lending and all relevant regulatory principles (e.g. KYC, AML) are observed and detailed affordability assessments are complete.
  • Package and refer cases outside of personal lending mandate to appropriate mandate holders or present to Credit Committee as required
  • Communicate, with customers, intermediaries and related 3rd parties to gather information to make appropriate decisions, explain rationale behind lending decisions and ensure that productive working relationships are maintained.
  • Provide support across the business to the design, build, testing and maintenance of lending origination workflow, process and procedures.
  • Maintain a thorough knowledge of all systems and procedures within the department to provide guidance and improve / update to ensure they are always fit for purpose.
  • Represent the Underwriting Team at Credit Committee as required, offering commercial lending-oriented expertise; preparing & presenting papers as required.
  • To comply with and/or ensure compliance with all Company Data Protection Policies

Profile

  • Responsibilities will include analysing, assessing and summarising individual property lending cases for Professional Landlords and also trading businesses / owner-occupiers
  • Approving within your own delegated mandate or provide recommendations to the appropriate approval authority.
  • Substantial exposure to UK Corporate & Commercial banking sector in both customer facing and credit risk roles
  • Experience operating with a substantial lending mandate in a commercial lending underwriting environment, covering a variety of sectors and lending types.
  • Substantial credit writing/assessment abilities covering customer, financial, serviceability & security assessments.
  • Full understanding of commercial legal, valuation processes along with wider commercial risk issues.
  • Demonstrates a full understanding of Responsible Lending & TCF
  • Detailed knowledge of KYC, AML and Compliance related rules and regulations
  • Strong verbal and written communication skills
  • Detail oriented but able to make decisions in a time sensitive manner
  • Educated to at least GCSE level, including Maths and English (essential)
  • Higher education qualifications (desirable)
  • Appropriate professional qualifications (desirable); [CeMAP, ACIB, Diploma in Business Banking or equivalents]

Salary & Benefits

  • Annual salary of £60,000-70,000, negotiable, depending on experience
  • Highly competitive discretionary annual bonus
  • Private medical insurance
  • 8% matched pension

Robert Half Ltd acts as an employment business for temporary positions and an employment agency for permanent positions. Robert Half is committed to equal opportunity and diversity. Suitable candidates with equivalent qualifications and more or less experience can apply. By applying to this position, you acknowledge that you have read and accept the following terms: https://www.roberthalf.co.uk/privacy-notice



Cardiff

Capital Tower,
Greyfriars Road
Cardiff
CF10 3AG
gb
02920 557 300
Management Accountant
London
Permanent
23rd May 2019
Private Personal Assistant
City of London
Permanent
23rd May 2019
Underwriter
City of London
Permanent
23rd May 2019
Transactional Accountant
Birmingham
Project
23rd May 2019
Financial Accountant
London
Permanent
23rd May 2019
Financial Accountant
Birmingham
Project
23rd May 2019
Full Stack Web Developer
Newbury
Project
23rd May 2019
Financial Controller- Part Time
London
Permanent
23rd May 2019
Commercial Finance Manager
City of London
Permanent
23rd May 2019
Management Accoutant
City of London
Permanent
23rd May 2019
Procurement Officer
Bristol
Permanent
23rd May 2019
Financial Controller
London
Permanent
23rd May 2019
Fund Accountant
City of London
Permanent
23rd May 2019
Senior Finance Business Partner / Strategy.
City of London
Permanent
23rd May 2019
Purchase Ledger
Watford
Project
23rd May 2019
See more jobs >