Mortgages Underwriter
Cardiff
- Full time
About the job
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"Admiral Money are looking for a Mortgage Underwriter to join their growing Specialist Mortgages team!
Admiral Money was established in 2016. The company has been built on strong, long-term foundations. It achieved profits of circa £10 million in 2023 and is a well-capitalized business with a strong culture towards long term growth and risk management.
As part of its ongoing growth strategy, Admiral Money is now diversifying its portfolio from a single-product offering to a broader suite. The business has recently launched motor finance and Specialist Mortgages, with a view to having three meaningful product lines as the company evolves.
The role
This is an exciting opportunity to join a small and growing team that are looking to do things differently. We have a vision of revolutionising the secured lending industry by driving innovation, enabling unparalleled speed of lending, and cultivating strong partnerships, we want to recruit passionate people who when they see a better way look to be part of the solution.
The purpose of the role is to support our business in building a strong, performing portfolio of customers by implementing our Lending Policy and delivering great customer outcomes.
You will be an integral part of our ongoing commitment to excellence by providing feedback to help inform the underwriting strategy and enhance our ways of working. You will work in a friendly and supportive team who are ambitious in nature and always striving for the best outcomes.
We are looking for people who are keen to learn, excited about getting stuck in and are ready for a challenge to help us to achieve our aim of being the best specialist lending business in the UK
What you will be doing
- Ensuring SLAs are met and where possible, exceeded for our intermediaries and customers
- Demonstrating an understanding of our Credit Policies, lending rules and appetite
- Demonstrating an excellent knowledge of the Second Charges Market and Specialist Lending Market
- As a mandate holder, interpreting the spirit of the FCA rulebook and demonstrating the desired outcomes
- Ensuring all information for customers and creditors is correct, ensuring good outcomes for AFSL and the consumer
- Communicating with external and internal customers to the highest standard.
- Ensuring loans are underwritten within mandate and are of the highest quality
About you
- Preferably CEMAP qualified
- Previous working experience in a regulated (Preferably specialist) lending environment
- Comfortable working to targets/deadlines
- Analytical and comfortable in taking decisions and committing to action
- Attention to detail is essential for ensuring accuracy
- Excellent communication skills, both verbal and written
- Ability to work independently as well as part of a team
Please note this is a hybrid role based in our Cardiff office a minimum of two days a week, with working hours Monday - Friday 10am-6pm.
Salary, Benefits and Work-Life Balance
At Admiral, we are proud to be a diverse business where we put our people and customers first. We have great benefits to ensure employees have a great work-life balance; it's one of the reasons we’re consistently voted one of the Sunday Times Best Big Companies to Work For in the UK. All colleagues will receive 33 days holiday (including bank holidays) when they join us, and this will increase with length of service, up to a maximum of 38 days (including banks holidays). You also have the option to buy or sell up to five days of annual leave in addition to your allocation.
You can also view some of our other key benefits here.
- Full time
- Finance Services
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Cardiff
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