Company Description

We’re Together – the market leading property finance experts with an entrepreneurial spirit. Based in Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.

We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders. Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.

We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people.

Job Description

As an Underwriter, you will be responsible for providing the highest standards of underwriting of commercial mortgage applications across our secured bridging, buy-to-let and term lending products. You will ensure professional service is provided and stakeholder expectations are met by assessing risk, adhering to appropriate criteria and procedures and by being flexible and efficient.

As an Underwriter, we are looking for someone to:

• Professionally assess the risk, accurately underwrite, mandate and complete secured loan applications to ensure that we minimise risk to the business and maintain strong focus on service delivery by following CSF lending criteria, policies and procedures
   
• Proactively manage all cases from direct customers and introducer/stakeholder cohort thereby delivering a high touch service which both enhances our reputation and increases future business flows
   
• Provide a rationale on each application ensuring that the loan is affordable, plausible and sustainable.  Providing a mortgage offer to the applicant(s) within the agreed service level.
   
• Proactively manage a pipeline of cases throughout an end-to-end process for both pre and post offer, ensuring that information is proactively requested from brokers and third parties within agreed Service Level Agreements
   
• Liaise directly with acting solicitors, obtaining the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates

Qualifications

Essential

• Previous underwriting experience within the secured lending and commercial mortgage market
• Excellent attention to detail
• Ability to make positive lending decisions
• Ability to work under pressure and to strict deadlines
• Excellent communication skills
• Experience of dealing with customers
• Experience of managing broker relationships
• Strong planning and organisational skills
• Possess strong objection handling and problem solving skills

Additional Information

Benefits working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Buy & sell holidays
• Discretionary annual bonus
• Matched pension contribution
• Life assurance
• Critical illness cover
• Health cash plan
• Private medical insurance
• Free access to company holiday homes
• Travel season ticket loans
• Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Together Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.