Consumer Lending - Underwriter - FTC

at  Shawbrook Bank

EXPERIENCE:

• GCSE (or equivalent) in Math’s and English
• Relevant commercial banking/lending experience (minimum 2 years)

TECHNICAL/SPECIALIST KNOWLEDGE & SKILLS:

• Computer literate (good knowledge of MS Office suite – Excel, Word, Power-Point)
• Knowledge of TCF
• Good knowledge of compliance procedures within the regulated mortgage industry.
• Reading of financial accounts, valuations, and credit searches.
• Ability to develop an analytical and pragmatic approach to underwriting

• Manage the Execution of consumer loans to policy in a timely, efficient and consistent manner
• Using the companies and industry’s processes and policies to evaluate the customer’s credit needs along with risk and exposure
• Underwrite referred deals to the level of the agreed mandate and within agreed SLAs
• Maintain knowledge of the company and industry policies and processes and products
• Investigate potential frauds/PEP/BoE matches (Pass to Compliance)
• Refer applications to higher mandate holders where necessary
• Management of the verification process for individuals
• Decision checks - Formal monthly review of decision sample
• Manage customer and partners complaints and escalate where necessary
• To identify areas of improvement in relation to the customer journey
• Dealing with retailer and customer product enquires via telephone and furnishing them information in answer to their queries and to deal with complaints in accordance to the complaints policy