This job listing is for a Second Charge Mortgage Underwriter/Advisor at a location in Macclesfield, offering a starting salary of £30,000, with the potential for bonuses, bringing the OTE (on-target earnings) to £42,000.
Main Purpose:
The role involves underwriting loan applications in line with lenders' criteria and advising clients to ensure they receive the best mortgage offers and rates suited to their circumstances, while maintaining compliance.
Key Tasks:
- Underwriting incoming loan applications based on credit history, client circumstances, and searches (e.g., Equifax, Land Registry).
- In-depth knowledge of lender underwriting criteria to ensure client needs are matched with the right lender.
- Calculating loan repayments according to the client's income.
- Providing advised sales based on a detailed understanding of the client's financial situation.
- Supporting team members as needed.
- Proven experience in working to targets is required.
Required Education, Experience, and Skills:
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Education: Preferably A-level or equivalent.
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Qualification: CeMAP (essential).
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Experience: Proven success in a similar high-pressure, target-driven environment.
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Skills:
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Strong telephone communication.
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Ability to interpret and analyse financial data.
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Organisational and prioritisation skills.
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Experience with complex underwriting procedures.
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Excellent IT proficiency and experience in a regulated environment.
Personal Attributes:
- Enjoy working with clients and explaining complex criteria.
- Target-driven, competitive, and results-oriented.
- Ability to prioritise tasks and adapt working hours for goal achievement.
- Innovative and creative in problem-solving.
Work Schedule:
- Monday to Wednesday: 9am to 7pm (on a rotational basis).
- Thursday: 9am to 6:30pm.
- Friday: 9am to 5:30pm.
- No weekend work.
Benefits:
- Death in service coverage.
- Casual dress policy.
- Company pension.
- On-site parking.
- Bonus scheme.
- 40-hour work week.
The role is office-based, with a focus on maintaining strong compliance and delivering results in a regulated environment.