JOB ROLE: Responsibility and underwriting of credit proposals, primarily of Buy to Let

JOB RESPONSIBILITY:

Underwriting portfolio landlords, SPV applications, HMO, Expat, Holiday let and standard BTL mortgage applications and good working knowledge of mortgage loan processing.
Highly organised and able to prioritise activities.
Detail-oriented with strong data analysis skills.
To provide support to the CCO in all operational areas of the Retail Credit Department.
Manage the assessment and processing of BTL cases, and the presentation of proposals to Risk Committees.
Manage the review, assessment, investigation, and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures.
Provide a clear rationale for agreeing or rejecting applications, prior to submitting to the CCO/Credit Committee
Ensure the credit decisions are made within regulatory standards, credit policy and adhere to TCF principles and Customer First principles.
Interacting with Valuation firms/Legal firms/ and external vendors e.g., BEP, LMS, Experian, Connells, to ensure successful completion the loan application.
MIS preparation and submission to the management as per the requirement
Complying with various policies of the bank like credit policy, AML/KYC Risk matrix

COMPETENCY:

Good communication skills, both verbal and written.
Knowledge of Microsoft Office products
Knowledge of UK regulatory framework, principles, and rules
Knowledge of UK lending environment
Having relevant experience in underwriting or assessing credit proposals in BTL.

KEY INTERACTIONS/NETWORKS

• Case Managers

• BDM’s

• Product Dept

• Compliance and Audit

• Credit Admin

• CCO /CBO

• BTL Team Leader

• Risk Department

• Co-ordination of stakeholders, both internal and external

REPORTING RELATIONSHIP

• Reports to BTL Team Lead

PERSON SPECIFICATION

• Positive attitude and ability to work under timelines and customer pressure on an efficient and friendly manner.

• Ability to work alone or as part of a team in a fast-paced environment.

• Enthusiastic and willing to accept new challenges.

• Careful and diligent with good attention to detail

• Ability to take a measured view, balancing risk management against business need.

• Ability to clearly articulate opinions and summarise complex arguments

State Bank of India UK

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