Underwriter - Sheffield

Reporting to:

Team Leader

Job Overview:

  • Authorise releases and transfers of security/equity in accordance with Board authorities.
  • Support development of mortgage intermediaries/sales channels in conjunction with BDMs to improve the quality of business submitted. This will include working from mortgage intermediaries offices if a roving underwriter.
  • Achieve agreed service levels and recognised best practice in respect of mortgage underwriting.
  • Demonstrate compliance with the Company’s policy and procedures including liaison with the Risk and Compliance Function and Internal and External Auditors.
  • Operate in accordance with the regulatory requirements as applied by the Company’s responsible lending and underwriting policies.
  • Comply with the provisions of the Money Laundering Regulations 2007 (and any successors thereafter) and the Company’s Financial Crime policies and procedures.
  • Maintain adequate records in accordance with regulatory requirements for such matters as affordability calculations, KFIs, underwriting records questionnaires etc.
  • Apply the Company’s systems and controls to meet the requirements of regulatory compliance in all areas including financial crime, human resources, data protection, finances and conduct of business.
  • Maintain current knowledge of all aspects of relevant company law and applicable regulations
  • Participate in training and continuing professional development (CPD).

Core responsibilities

  • To process and underwrite mortgage applications in accordance with the Company’s policies.
  • Observe regulatory and ethical standards.
  • Demonstrate adherence to policies and procedures.
  • Deliver excellent customer service through decision making, attention to detail, problem solving and communication
  • To deliver excellence in customer service and shareholder value, making decisions in line with the Company’s responsible lending and underwriting policies.
 

Skills & Requirements

Essential
  • Knowledge of the mortgage market is essential.

Desirable
  • 3+ years specialist lender mortgage experience
   
Job offers at Bluestone are subject to satisfactory background checks. Please disclose any adverse history relating to credit or criminal checks when applying for any role.
 
 
For Conduct Roles
  • Ongoing compliance with the Individual Conduct rules contained within Chapter 2 of the FCA’s Code of Conduct Handbook.
 
 

For more information please email People and Places Team talent@bluestone.co.uk

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The Sheffield Office

Benefits and Rewards

Access to an Employee Assistance Programme

Annual leave purchase scheme (up to 5 days)

Cycle to work scheme

Free fruit, tea and coffee, all day, every day

Membership of an employee share scheme

Performance related bonuses

A salary sacrifice pension scheme

25 days annual leave

Critical illness cover

Life Assurance

Income Protection Policy

Regular, fully-funded, social activities

Season ticket loans for travel

Study support

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