Underwriter

To underwrite and process all new consumer finance applications from receipt of application through to offer of the loan. The incumbent will be required to ensure service levels are maintained whilst being mindful of the Credit Risk Governance frameworks in operation within the Bank, such as KYC and Fraud Awareness

About us

Gatehouse Bank is a subsidiary of Gatehouse Financial Group Limited, which is a holding company for Gatehouse Bank (based in London and Milton Keynes) and Gatehouse Capital (based in Kuwait). Gatehouse Bank is a Shariah-compliant bank offering savings products and finance for UK commercial and residential real estate, in addition to sourcing and advising on UK real estate investments with a focus on the build to rent sector.

Key responsibilities

Apply and adhere to all Financial Crime Policies in operation within GHB

Liaise with initial broker and /or BDM leads according to defined internal SLA

Review initial case assessments according to internal policy and set SLA

Full case approval and underwriting in accordance with internal SLA

Compose lending rationale that ensures lending decision is clearly structured and documented without escalation to the underwriter

Manage other ad hoc tasks to ensure swift processing of cases

Liaise with borrowers and brokers throughout the finance approval process

Collaborate with legal advisors and valuers

Any other duties commensurate with the grade and level of responsibility of this post, for which the post holder has the necessary experience and/or training.

Skills required

Credit Referencing report understanding

RICS Valuation

Application Scoring

Risk awareness

Regulatory standards awareness – MCOB

Influencing skills (negotiation, persuasion, leadership)

Stakeholder Management

Additional Details

We offer highly attractive reward package; the typical benefits include:

25 days holiday entitlement increasing with service

Pension Plan

Private medical insurance