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Required Experience: 3-6 Years of overall experience, 1 year of Mortgage UW experience

Must have: Worked in a UK Mortgage process

Good to have: UK Underwriting experience/ US mortgage underwriting / loan processor 

Essential Hiring Skills:

• Good understanding of the UK mortgage market with experience of handling mortgage applications

• Experience in the validation of customer data and documentation with history of correctly

identifying AML, CDD and fraud concerns

• Experience of working within a high paced environment, managing high volumes with prioritisation

skills ensuring KPIs and SLAs are adhered to

• Ability to work collaboratively with the onshore teams through effective communication skills

• Strong attention to detail, utilising your knowledge and support tools to progress mortgage

applications correctly

• Strong verbal and written communication skills to ensure a smooth experience for Brokers and

customers

• Have a proactive and professional approach to drive a right first-time outcome for the customer

• Ability to support and develop team colleagues by training and collaboration across the team

• Compliance with monthly quality checks ensuring accuracy on cases worked

• Understanding of UK legislation

• Very strong interpretation and articulation skills

• Excellent Keyboard skills and should be familiar with working on a laptop

• Strong typing skills with a minimum of 45 words per minute

• 100% shift adherence and demonstrate flexibility to work in shifts

Roles and Responsibilities:

• Review and screen residential owner occupied and buy to let (in both individual names and trading

companies names) mortgage applications to understand the customer and application type,

ensuring the correct packaging requirements are set

• Review the quality of data and identify inaccuracies including customer personal data, property

portfolio and income and commitments, ensuring the mortgage application is set up for success

and ready to be underwritten

• Regularly reviewing mortgage applications against agreed deadlines to ensure cases are

progressed in a timely and accurate manner

• Review packaging documents once received, ensuring they meet the relevant requests. Including

the checking of documents, validating the data and updating the system information through the

documents received or the use of relevant third party websites and systems, e.g. Companies House

• Review and validate documentation and supporting information such as:

o Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc

o Customer due-diligence documentation; proof of ID, proof of address

o Buy to let portfolio’s etc

o Credit reference reports, EPC reports, Companies House searches

• Understand and apply Bank policies in terms of documentation, case set up and mortgage

valuation requirements

• Identify cases that require manual referral to the onshore team and refer them in a timely manner

to ensure the customer experience isn’t detrimental, this could be due to;

o AML concerns

Confidential-Internal

o Complex case/documentation requirements

o System errors etc

• Both technical system knowledge of mortgage origination systems and the wider supporting

systems (quest, lender hub, kama etc.)

• Support the management of a large volume of mortgage applications, and work is priortised

accordingly to deliver against service KPIs