Job Description

Are you our new Roving Underwriter?

Working in our fast paced, successful 2nd Charge Underwriting team in our Manchester office 3 days a week with 2 days WFH, there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans.

We really do believe that its our people who are our main competitive advantage the thing that sets us apart from our competitors.


Our passion is to Help People Succeed. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as our fantastic colleagues.


The Team

The purpose of your new role will be to operate as an effective member of the Underwriting team, reviewing, approving and offering secured loans within lending authority and in accordance with the Companys written policies and procedures. It is essential that the successful candidate can work effectively, managing their day-to-day workload to ensure that offers are made in line with business timescales.


As you will be required to visit our Broker sites t least one day a week you will need a car and driving licence. Petrol costs will be fully reimbursed for all business travel.


Previous experience of working for a secured lender or bank / building society is essential. In addition, you should possess a secured lending underwriting mandate.


What you will be doing

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  Accurately assess the risk on loan applications ensuring that the loan is affordable, plausible and sustainable.
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  Compose logical lending rationales for all cases reviewed.
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  Minimise the risk to the business and the applicant with a strong focus on fraud avoidance.
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  Agree exceptions within mandate, ensuring that an appropriate lending rationale is applied to each case.
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  Provide a high level of customer service at all stages of an application to both internal and external customers.

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  Maintain and demonstrate an awareness of external factors and market conditions which may affect underwriting decision making.
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  Ensure that regulatory requirements are adhered to throughout the process and in all contact with customers, brokers and third parties.
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  Accurately prepare secured loans for offer within agreed timescales.
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  Comply with and / or ensure compliance with all Pepper Money data protection policies.
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  Recommend changes and / or improvements to policies and procedures.
  
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  Once trained and mandated you will develop relationships with our broker partners by spending time working within brokers own offices, enabling us to maintain our strong service and support

What we are looking for

Knowledge

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  Mortgage / Second charge lending knowledge and experience
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  Specialist Lending experience advantageous
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  Strong customer service background and passionate about great service
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  Experience of broker / intermediary engagement both remotely and face to face

Competencies

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  Regulatory knowledge, FCA, TCF, MCOB (MMR changes)
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  Considerable experience in mortgage lending as an underwriter having a lending mandate.
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  Ability to apply detailed analysis to application case submissions, with experience of calculating income scenarios.
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  Strong communication skills verbal and written.
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  Ability to delve as deeply as necessary into cases whilst at the same time displaying empathy with brokers, distributors and customers by making right first-time decisions
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  Ability to create written approvals and rationalise decision making in a clear, logical manner.

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  Ability to be flexible and balance productivity, quality and a first-class customer service
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  Demonstrate a pro- active, hardworking, flexible approach and able to work under own initiative but also as a team player.
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  Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)

Qualifications

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  CEMAP would be desirable (to be attained within 12months of employment commencing)

What we offer


Some of the benefits we provide are:

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  Competitive salaries and bonus schemes
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  Hybrid Home Office flexible working arrangements
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  Regular training and opportunities to learn and grow
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  25 days holiday & bank holidays and birthday off
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  Private Medical Insurance cover with BUPA
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  Personal pension scheme with generous matched company contributions

In return for your commitment, youll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows then wed love to hear from you.

We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity and Inclusion charter, further information can be found on the Careers section on our website.