Underwriter - Peterborough | -546397 | Zoek UK
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Permanent (Full time)
At YBS Group we pride ourselves on being a mutual organisation that places our customers at the heart of everything we do. As a result of this we continue to grow and strengthen our position as one of the most trusted financial services providers in the UK, with over 3 million members. We have performed well during the COVID pandemic and now there is an opportunity to recruit more Underwriting colleagues in our Peterborough office to help grow and increase our business into 2021 and the future. As a Mortgage Underwriter at YBS you will make exceptional lending decisions within the boundaries set out in our risk policies relating to new mortgage lending. You will ensure decisions are aligned with risk appetite and delivery of fair customer You’ll DoTake and maintain ownership for mortgage applications from receipt through to release of funds, dealing with all parts of the process, delivering a positive customer experience. Carry out full risk assessments and make appropriate and fair lending decisions on applications, demonstrating an in depth knowledge of MCOB or BCOB/ CONC, TCF principles and the Group’s risk ownership of complaints (resolving at first point of contact, where possible) ensuring outcomes are fair and appropriate for the customer and adhere to Group policy and constructive challenge to our lending decisions, policies and procedures where appropriate, to ensure the customer remains at the heart of what we do. Build relationships and rapport with internal and external customers by providing positive, clear and concise communications, tailoring communication style to meet the needs of the complex information clearly and simply, providing full rationale and justification for the lending decision to internal and external workloads in line with service standards, highlighting exceptions to the line manager in a timely manner so that mitigating actions can be put in ideas to improve performance and increase efficiency and productivity to enhance the customer ’re looking for Underwriters who have a track record of balancing the needs of customers and intermediaries with responsible lending and the highest levels of ethics and risk you’ll needIdeally you will currently be a Mortgage Underwriter however we will give you all of the training you will need so we would love to hear from people from a variety of backgrounds including, Underwriters from other product lines, people who work within a role that sits as part of a mortgage process, for example a mortgage advisor, or just passionate and talented individuals who perform a Customer Service role in a similar Knowledge & Skills you’ll need:Adaptable, with excellent time management skillsExcellent communication skills, both verbal and written, with the ability to communicate with a range of and methodical thinking, with a natural ability to be curious and identify where further information will be requiredExcellent decision making skills with an aptitude for making appropriate lending decisions in a fair and consistent manner.Life at YBSIn addition to the usual benefits such as competitive salary, annual bonus and healthcare packages we offer you…Flexibility – Whether it’s picking up the kids from school or catching that early morning yoga session we have you Success – From everyday thank you cards, to our annual ‘Raising the Roof’ gala to celebrate our golden ticket winners we acknowledge our colleagues successes no matter how big or Back – Fancy 31 hours of paid leave a year to get involved in community activities? Together last year, we completed more than 11,000 hours of volunteering!Inclusivity - We don’t just accept difference — we celebrate it, we support it, and we thrive on it for the benefit of our colleagues, our customers and our community. We are proud to be an equal opportunities Perks – Some of our sites have added little extras such as a gym, restaurant and free parking at our Bradford site, roof garden in Leeds, and on-site restaurant and free parking at our Peterborough ….If you’ve got a solid background and the right learning set and you want to develop a career in an empowering, respectful and supporting business then why not join us?Our people are our heart and soul; we’re commercial and caring, big enough to offer you a challenge and small enough for you to make a real impact. We’re devoted to putting people first and doing the right thing by providing real help with real life.We’d love to hear from you so why not apply today and be Your Brilliant Self!