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 a Roving Underwriter, you will support the network of primarily Northern Brokers managing relationships and increasing future business submissions by underwriting applications. Focusing on service delivery by following group lending criteria, policies and procedures, you will proactively manage broker relationships by acting as a point of contact for our brokers and delivering a seamless level of service to increase future business.

As a Roving Underwriter, we are looking for someone to:

• Provide training to intermediaries on all aspects of packaging, processes and products.
• Accurately assess the risk on all applications and ensure correct lending decision is communicated and that all pre-set criteria met (affordable, plausible, sustainable)
• Support Regional Account Managers and Business Development Managers strategic plans for key intermediary partners
• Effective diary management to ensure all intermediary visits are aligned to contact strategies developed by account owners (RAMs/ BDMs)
• To accurately record all activity on CRM in a timely manner
• Minimise the risk to the business and the applicant with a strong focus on fraud avoidance at all stages of an application
• Ensure consistency in decisions and service levels across the underwriting teams and escalate inconsistencies to relevant person/s in a timely manner
• Improve broker knowledge and packaging quality through effective use of MI, identifying trends and taking corrective steps to enable proactive feedback and training support needed
• Proactively manage pipelines effective communicating with account managers and key stakeholders to ensure sales efficiency and effectiveness  

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.