Underwriter Tier 2

About the team:

Do you want to be part of a team of driven professionals who are focused and know how to have fun too? Our underwriting team in Wolverhampton is just that, and has a vast wealth of knowledge and experience within the specialist lending sector. Whether you need support with a case or just a friendly ear, our team is one where you arrive as a colleague and soon become a friend, and we can't wait to be joined by the right people. Could that be you?

What you will be doing:

As an Underwriter (Tier 2) you will have the opportunity to facilitate and progress mortgage applications, within the assigned mandate level, through to mortgage offer, and completion where applicable, in line with the Bank's operating procedures and policies and the Mortgage Credit Directive.

You will work within a supportive and engaged team, with access to a clear progression matrix to drive your development.

Your responsibilities will include…

• Learning and developing underwriting skills, via training and coaching, with a view to obtaining own personal Lending mandate.
• Underwriting allocated applications to offer, within assigned mandate level and agreed service standards, requesting further information from relevant stakeholders where required and verifying this on receipt.
• Presenting cases to the Underwriting Manager for guidance and approval where appropriate.
• Offering mortgages to approved borrowers, within assigned mandate level and agreed service standards, requesting any outstanding information if required and verifying it on receipt.
• Communicating with intermediaries by telephone and in writing, handle objections and provide objective feedback to any questions.
• Managing escalations and resolve technical queries from other team members.

What's in it for you?

We offer a base salary dependent on experience of between £ 34,000 - £ 37,000 and a competitive benefits package including:

• Enhanced family-focused benefits
• Hybrid-working *3 days in the office, 2 at home
• Annual bonus opportunity

Please use this link to see the fantastic benefits available at OSB: OSB Careers

About us:

At OSB Group, we understand how much our people bring to our organisation, which is why we try our best to give back too! Our Purpose is to help our customers, colleagues and communities prosper and we are on a transformation journey to become 'the bank of the future'.

Our commitment to professional development, flexible working, and employee well-being fosters a dynamic and supportive workplace.

Do you have the skills?

We are looking for talented individuals who have the experience and knowledge set out below:

• Previous experience as a mandated mortgage underwriter within a UK financial services provider is essential.
• Detailed level of knowledge of the FCA/PRA regulations regarding residential mortgages is essential.
• Detailed knowledge of the Knowledge and Competence requirements of the Mortgage Credit Directive is essential.
• Ability to manage busy workloads is essential.

Next steps:

Interested? Apply now!The closing date for applications is 12th September

Still considering? Hear from our team or learn more about our recruitment process: OSB Careers

We believe in a personalised and inclusive approach, ensuring the process is relevant and conversational. If you need any adjustments or support, we're here to make sure you can show your best self.

Diversity, Equity & Inclusion

Our team value spending time together in the office, typically 3 days a week to support collaboration and connection with colleagues, but we're happy to have a conversation about what flexibility might look like for you.

Not sure if you meet all the criteria? Let us decide. Studies show that candidates from underrepresented backgrounds often feel they need to meet 100% of the criteria before applying. At OSB, we value the unique perspectives and experiences that diversity brings. We're committed to creating an inclusive space where everyone feels empowered to apply - even if you don't check every box.

We actively promote diversity at all levels, with Board-level Diversity Champions monitoring our progress. We're proud to be signatories of the Women in Finance Charter, supporting the growth of senior women in our sector. Our commitment extends to treating all employees and applicants equitably, ensuring fairness and respect for all."

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