Job Description

•    Taking ownership and being accountable of mortgage applications, from initial submission through to offer, delivering a seamless service to brokers and partners
•    Reviewing and screening residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set
•    Applying a future thinking, holistic approach by anticipating the need of the underwriter, this will be done through:
o    Understanding and assessing the risk of the application
o    Using and interpreting lending policy to ensure the case meets the packaging guidelines
•    Being responsible for the quality of data, identify and correct inaccuracies, including customer personal data, property portfolio and income and commitments, including the validation of documentation
•    Working to agreed deadlines, meeting and exceeding set SLAs at each touchpoint
•    Managing all mortgage documents and supporting information, by assessing and validate documents, ensuring they meet the relevant policy and regulatory guidelines. 
•    Ensuring the case is managed through the relevant systems, ensuring one customer and application record that is reflective of the information required to manage risk and deliver for our customers, including using relevant third party websites and systems, e.g. Companies House
•    Having the ability to review and asses key documents and mortgage information, such as:
o    Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc
o    Proof of ID, proof of address
o    Buy to let portfolio’s etc
o    Credit reference reports, EPC reports, Companies House searches