At Vida, we know that life is never a straight line. That’s why we believe in second chances. Working exclusively with intermediary partners, we combine cutting-edge technology with skilled and caring people to solve complex customer problems and help everyone find a safe place to call home. People are at the heart of our business, and we work hard to create a positive and engaging working environment centred around our vision, mission, and values.
With three offices in Staines, London, and Skipton, we bring teams together regularly to collaborate but empower our colleagues to have more choice around when and where they work on the days they are not in the office, with colleagues working remotely in various locations across the UK. As well as flexibility and the opportunity to work from home, we also offer a competitive salary, attractive company pension, private medical insurance, birthday leave and 25 days holiday.
We’re currently looking for an experienced mortgage underwriter to join the New Business Operations team. You will need to be suitably qualified and experienced in the specialist lending mortgage market with a great attitude and the right work ethic and skillset, with a current residential lending mandate.
Extensive experience of mortgage underwriting, the mortgage intermediary market, its products, marketing approach and processes
Current residential lending mandate
A detailed understanding of complex Residential & BTL lending types, such as : Portfolio Buy to Let, SPV’s, New Build, Help to Buy/First Home Fund, Contractors, Ex-Pats, Self-Employed , Credit Repair
Regulation / Legislation Awareness – Knowledge of the Regulated Financial Services environment
Demonstrable understanding of TCF, responsible lending and regulatory knowledge
CeMap qualified or industry equivalent – desirable but not essential
Underwrite and decision complex Residential and BTL mortgage applications ensuring you deliver exceptional customer service.
Operate effectively to achieve agreed targets and objectives and take responsibility for highlighting any areas of concern.
Consider mortgage applications outside standard lending policy where a justifiable business reason exists
Ensure responsibilities regarding Treating Customers Fairly, the Prevention of Financial Crime (including AML, identification and reporting of fraud) and responsible lending are carried out effectively and in accordance with the Company’s policies.
Develop and maintain knowledge of mortgage products and bespoke underwriting capability with an emphasis on understanding of Vida’s risk appetite, products, and criteria.
Ability to manage and organise own caseload in line with the priorities of the business