Mortgage Underwriter

Mortgage Portfolio Analyst

Ref: 803| Posted: 17th Mar 2021

Our growing Financial Services client is recruiting for a Mortgage Portfolio Analyst, responsible for analysing and approving mortgage portfolios assisting in the New Lending Underwriting decision
  • Preferred 3 years’ experience within the mortgage (Buy to Let Preferred) or financial services industry, however applications from other candidates will be considered.
  • Technology skills – Advanced MS Office Skills, in particular Excel, covering Pivot tables, Macros and advanced Excel Formula.
  • Experience of full mortgage life cycle and the associated risk layers.
  • Experience of working as part of a small team and make effective contributions.
  • Ability to work under pressure whilst paying close attention to detail.
  • Mandated decision making
  • Proven experience analysing large and complex data sets
  • Analyse Portfolio Business cases, Cash Flow statements and property schedules to ensure they meet the requirements of the Portfolio credit policy.
  • Approve or Decline Portfolio leading cases in line with Portfolio approval mandate.
  • Make recommendations to the new lending team to support underwriting decision of portfolio properties.
  • Communicate potentially complex financial information to non-finance professionals within the New Lending team.
  • Adhere strictly to department policies and procedures, challenging any gaps identified and providing recommendations for change.
  • Contribute in the achievement of departmental Key Performance Indicators (KPIs) and Treating Customers Fairly (TCF) KPIs ensuring we maintain the ability to demonstrate we are meeting our TCF obligations.
  • Adherence to key department Service Level Agreements (SLAs) ensuring work is actioned in line with SLA’s to a consistently high standard.
  • Proactive engagement with key stakeholders, both internal and external to the business.
  • Review sources of industry guidance and best practice in order to keep abreast of changes which could impact Buy-To-Let Portfolio Lending and provide recommendations to Line management.
  • Take responsibility for maintaining own CPD (Continuous Professional Development) folder ensuring it is kept up to date.
  • Adherence to the company’s training and monitoring programme including Anti-Money Laundering/Financial Crime, Treating Customers Fairly.
Competitive salary and benefits package