Underwriter

Job description

Role : Mortgage Operations Underwriters

Location : Manchester

Salary : From £19,665 + great benefits package

About Barclays

Barclays moves, lends, invests and protects money for customers and clients worldwide.

Mortgage Operations

Mortgage Operations is a key component of the Mortgage Family, accountable for the implementation and servicing of Barclays mortgages for new and existing customers. Dedicated to making Barclays the natural choice for customers by; enhancing our service throughout the customer journey, by developing successful relationship with customers, brokers and advisors and by simplifying our mortgage processes to improve our service for customers.

Role Purpose

Underwrite Mortgage applications ensuring you deliver world class customer service, whilst complying with all regulatory and conduct risk management requirements.

Be able to analyse customer information and assess findings against lending criteria in order to make quality judgments leading to consistent underwriting decisions.

Ability to clearly and concisely articulate the justification and rationale used to make responsible lending decisions.

Key Accountabilities

Will underwrite & decision mortgage applications using analysis of customer data and income information, in adherence to Lending Standards and relevant underwriting policy.

Deliver operational effectiveness within the business area, achieving KPI targets and objectives set by the business.

Will work in line with industry standards (FCA guidelines). Will have a good understanding of the concepts, principles and policies in their area required to make lending decisions.

Stakeholder management and leadership.

Will require interaction with both internal and external customers on mortgage lending decisions. These conversations will require clear explanation on recommended lending decisions and the sharing of detailed information to support a positive customer experience even in a decline situation.

Decision making and problem solving.

Will have individual underwriting accountability for decisioning mortgage loans using judgement aligned to internal and external industry standards and responsible lending practices.

Person Specification

Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment.

Product / Market Understanding – Growing knowledge of mortgage product and bespoke underwriting capability.

Customer Orientation - Ability to demonstrate delivery of world class customer service on a day to day basis in line with lending decisions and customer outcomes.

Supplier / Partner Relationships - Build and maintain relationships with Mortgage Brokers / Advisors and other third parties providing specific advice.

Self-Management and Control - Ability to manage and organise their own caseload in line with the priorities of their business area.

Communications and Influence - Good written and verbal communication skills.

Job Training / Experience - Previous experience of mortgage underwriting, the mortgage business, its products, marketing approach and processes.

Risk and Control Objective

All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards

Benefits

Our customers deserve the best. The same goes for our employees. That's why at Barclays you'll receive a range of benefits that include a competitive salary and all the tools, technology and support you need to succeed.

Our Culture

Everything we do is shaped by the five values of Respect, Integrity, Service, Excellence and Stewardship. The values inform the foundations of our relationships with customers and clients, but they also shape how we measure and reward the performance of our employees. Simply put, success is not just about what you achieve, but about how you achieve it.