Underwriter
| Posting date: | 08 May 2025 |
|---|---|
| Hours: | Full time |
| Closing date: | 07 June 2025 |
| Location: | GU21 6DJ Woking |
| Remote working: | On-site only |
| Company: | Step One Finance |
| Job type: | Permanent |
| Job reference: | 004 |
Summary
Step One Finance Limited is a rapidly growing specialist lender located in Woking, Surrey. The company is seeking a full-time experienced Underwriter to assist with the growing volume of mortgage loan applications.
Located just a two-minute walk away from Woking town centre, Step One Finance provides challenging and rewarding careers. We achieve this by offering continuous learning and development, collaborative teamwork environment and exposure to a wide variety of work.
Imagine and shape your future at Step One Finance Limited where you can grow professionally, in a diverse and inclusive workplace that rewards your contribution.
Step One Finance is proud to be an equal opportunity employer and we take affirmative action to create a more inclusive and equitable world of work.
Purpose of the Role:
Reporting to the Underwriting Operation Manager, to provide a first-class underwriting service for intermediary introduced business within Step One. Packaged Applications and Decision in Principle enquiries are to be underwritten in accordance with lending policy and price plans, FCA responsible lending practices, TCF principles and appropriate service standards.
Main Responsibilities:
· Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company’s policies and procedures and TCF principles
· Ensure the accuracy of customer and loan related data that is captured within the underwriting forms, documents and internal systems.
· Establish and maintain effective working relationships with key 3rd party business partners. These include all intermediary partners, solicitors and valuation panel managers
· Ensure that all mandatory training is undertaken.
· Achieve satisfactory performance levels in all KPI’s to maintain/achieve underwriting mandate
· Provide support to the Head of Lending and more senior team members as required including policy and procedure enhancements and recommendations for cases outside of policy for further review
· Approving cases with individual mandate levels
· Maintain an up to date market awareness of both lenders and intermediaries working in the second charge space as well as the regulatory rules and guidance for the market.
· Undertake relevant regulatory training to completed all three levels of CEMAP programme
· Provide suitable Mortgage advice, where possible, on applications received directly from customers.
Desirable Skills/Qualifications:
· Underwriting experience in a lending organisation
· Ideally CeMAP qualified
Person Specification:
· Strong team player who is committed, conscientious and hardworking.
· Strong attention to detail.
· ‘Can do’ attitude, flexible and solutions orientated.
· Confident and clear communicator.
· Open, honest, reliable and with integrity.
· Must pay due regard to the interests of customers and treat them fairly.
Benefits:
· Company pension
· Private Medical Cover
· Free on-site parking (first come basis)
· Income Protection
· Death in Service/Life Cover
· Cycle to work scheme
· Holiday Purchase/Sale
· Employee Referral Scheme
· Tuition Reimbursement
Schedule:
· Day shift
· Monday to Friday
· Work location: office based
Located just a two-minute walk away from Woking town centre, Step One Finance provides challenging and rewarding careers. We achieve this by offering continuous learning and development, collaborative teamwork environment and exposure to a wide variety of work.
Imagine and shape your future at Step One Finance Limited where you can grow professionally, in a diverse and inclusive workplace that rewards your contribution.
Step One Finance is proud to be an equal opportunity employer and we take affirmative action to create a more inclusive and equitable world of work.
Purpose of the Role:
Reporting to the Underwriting Operation Manager, to provide a first-class underwriting service for intermediary introduced business within Step One. Packaged Applications and Decision in Principle enquiries are to be underwritten in accordance with lending policy and price plans, FCA responsible lending practices, TCF principles and appropriate service standards.
Main Responsibilities:
· Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company’s policies and procedures and TCF principles
· Ensure the accuracy of customer and loan related data that is captured within the underwriting forms, documents and internal systems.
· Establish and maintain effective working relationships with key 3rd party business partners. These include all intermediary partners, solicitors and valuation panel managers
· Ensure that all mandatory training is undertaken.
· Achieve satisfactory performance levels in all KPI’s to maintain/achieve underwriting mandate
· Provide support to the Head of Lending and more senior team members as required including policy and procedure enhancements and recommendations for cases outside of policy for further review
· Approving cases with individual mandate levels
· Maintain an up to date market awareness of both lenders and intermediaries working in the second charge space as well as the regulatory rules and guidance for the market.
· Undertake relevant regulatory training to completed all three levels of CEMAP programme
· Provide suitable Mortgage advice, where possible, on applications received directly from customers.
Desirable Skills/Qualifications:
· Underwriting experience in a lending organisation
· Ideally CeMAP qualified
Person Specification:
· Strong team player who is committed, conscientious and hardworking.
· Strong attention to detail.
· ‘Can do’ attitude, flexible and solutions orientated.
· Confident and clear communicator.
· Open, honest, reliable and with integrity.
· Must pay due regard to the interests of customers and treat them fairly.
Benefits:
· Company pension
· Private Medical Cover
· Free on-site parking (first come basis)
· Income Protection
· Death in Service/Life Cover
· Cycle to work scheme
· Holiday Purchase/Sale
· Employee Referral Scheme
· Tuition Reimbursement
Schedule:
· Day shift
· Monday to Friday
· Work location: office based