Underwriting Specialist

Working in our dynamic, successful Completions team there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans.

We really do believe that its our people who are our main competitive advantage the thing that sets us apart from our competitors.

Our passion is to Help People Succeed. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues.

We operate a hybrid working model, with a split of days being in the office and days being worked at home. Pepper Money has three offices across the UK and one office in Manila, where this role will be based.

What you will be doing

Responsible for effective and efficient processing within the companys approved risk appetite in accordance with policy and procedures. A flexible approach to and delivering an excellent customer service proposition. Quality and effectiveness output meets expected levels.

• Meet agreed SLAs and KPIs for the processing of applications
• Meet and manage broker / packager / internal sales and underwriting expectations effectively
• Interaction with both internal and external customers to discuss application requirements and progress through the customer journey sharing detailed information to support a positive customer experience
• Assess DIPs which have been submitted for acceptability to our lending policy and criteria
• Ensure all new applications received have the required documentation for underwriting, liaise with brokers, distributors and customers to progress applications as necessary
• Ensure all processing is made within regulatory standards, aligned with business needs and deliver to the lending risk strategy
• Build rapport with Brokers and internal teams to ensure best outcomes are achieved
• Refer and recommend mortgage applications outside standard lending policy where a justifiable business reason exists to an appropriate mandate holder
• Assess, for acceptability, valuation reports, credit reports, income proofs, bank statements and any other relevant supporting documentation against lending criteria and policies

What we are looking for

• Mortgage Lending knowledge and experience advantageous
• Strong customer service back-ground and passionate about great service
• Strong communication skills verbal and written
• Mortgage industry knowledge
• Demonstrate a pro- active, hardworking, flexible approach and able to work under own initiative but also as a team player.
• Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)

Some of the benefits we provide are:

• Competitive salaries and bonus schemes
• Hybrid home/office working arrangements
• Regular training and opportunities to learn and grow
• Holiday leave plus bank holidays
• Medical insurance cover
• Life insurance
• Health and wellbeing support
  
  In return for your commitment, youll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then wed love to hear from you.
  We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.