BTL Underwriter

BTL Underwriter

Hybrid working

About you as the BTL Underwriter

• Passionate for delivering an exceptional customer experience with a customer-centric approach to work.
• High attention to detail, and sound and reasoned judgement.
• Ability to work in a team environment and build strong working relationships with peers to contribute to team goals.
• An effective communicator and talented collaborator, who can bring colleagues together to reach the best way forward for the customer and the Bank.
• Have strong numerical and time management skills, working to tight deadlines to ensure tasks are completed within agreed timeframes

Your Experience as a BTL Underwriter :

• 3 years’ experience underwriting simple and complex BTL products, with a proven critical analysis of information pertaining to the financial standing of prospective borrowers.
• Currently hold a Delegated Lending Authority (DLA) of a minimum of £500,000.
• Ability to underwrite manually, according to the Bank’s credit policy, across multiple BTL types i.e. portfolio landlords, HMO and MUB properties, limited company and LLP entities.

About the Bank

They are a scaling challenger Bank with ambitious plans, they have continued to build on their excellent culture. They ensure you are supported in achieving both your professional and personal ambitions and are dedicated to supporting a diverse and consciously inclusive organisation.

The Bank is developing it’s BTL proposition and enablers including systems, processes, policies and people. This role presents an opportunity for the right candidate to help shape and improve their BTL strategy, working with a small team of underwriters to leverage capability and knowledge.

Responsibilities of the BTL Underwriter

Reporting to the Head of Underwriting, you will be responsible, through attitude and actions, for assessing new lending applications for risk and quality across the Buy-to-Let (BTL) product set - including but not limited to, portfolio landlords, corporate structures and complex properties.

This includes preparing detailed underwriting notes in support of credit proposals, approving and rejecting applications in line with policy, or recommending to the Head of Underwriting, where mandate levels are exceeded. Communicating decisions with Relationship Management and Operations colleagues in a transparent and constructive manner.

If you interested for further details on the BTL Underwriter role please apply below.