Underwriter - 1st Charge Mortgages

West One is looking for an Underwriter to join our 1st Charge Mortgages team. The primary responsibility of the role is to take ownership of allocated cases from inception through to completion.

• Enter and update borrower data on Fusion lending platform.
  
• Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
  
• Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
  
• Provide concise and accurate updates to brokers.
  
• Proactively chase brokers for outstanding requirements.
  
• Ensure all underwriting is in line with Company policy and within regulation.
  
• Ensure that all cases are Underwritten within the Groups Risk appetite.
  
• Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  
• Maintaining a pipeline of cases, overseeing cases from inception through to completion.
  
• Maintain broker relationships that are integral to the growth for WOSL.
• All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.

• Good written and verbal communication skills.
• Ability to work as part of a team.
  
• Pass internal competency tests post induction.
  
• High attention to detail.

• CeMAP (desirable, not essential).
• An understanding of FCA regulation.
  
• Experienced in Underwriting 1st and/or 2nd Charge mortgage applications.

• Robust and comfortable working to deadline and under pressure.
• Flexible.
  
• Articulate.
  
• Well organised.