Kind Consultancy is working with a fast-growing alternative Financial Services business which is currently seeking a Senior Underwriter to join them in a permanent, full-time role with a hybrid work model based out of their Cardiff office, with a competitive annual salary.

Reporting to the Head of Underwriting, the Senior Underwriter will play a critical role in evaluating and assessing short-term mortgage applications and determining level of risk and adherence to credit policy, with key responsibilities including:

• Reviewing and assessing short-term mortgage applications focussing on specialist lending, bridging, development and commercial loans.
• Analysing data and other key financial indicators to assess level of risk involved.
• Applying established underwriting guidelines, policies and procedures to evaluate applications and determine appropriate loan structures.
• Identifying potential risks and challenges associated with loan applications, proposing appropriate risk mitigation strategies to minimise exposure & protect the organisations interests.
• Performing comprehensive financial analysis to evaluate the financial health and stability of the individual, developer or businesses applying for short-term mortgage.
• Ensuring all loan files and documentation are accurate and compliant with regulatory requirements.
• Collaborating with cross functional teams to facilitate effective and efficient decision-making processes.
• Building and maintaining relationships with internal stakeholders.
• Staying updated on market trends, industry developments, and regulatory changes to inform underwriting decisions and mitigate potential risks.

Our ideal candidate for the Senior Underwriter opportunity:

• Has good regulatory knowledge and a strong understanding of the compliance requirements related to Banking and underwriting eg: KYC, AML.
• Demonstrates excellent attention to detail and accuracy in assessing loan applications and financial statements.
• Has a proven ability to identify and assess risks associated with loan applications and propose effective risk mitigation strategies.
• Has 5+ years of experience in Commercial/ Specialist Mortgage Underwriting, to include substantial exposure to bridging, Buy-to-Let and/or development loans.
• Displays excellent verbal and written communication skills, with the ability to effectively communicate complex financial concepts and underwriting decisions to internal and external stakeholders.
• Has experience of working in a regulated bank with a clear understanding of regulatory requirements including Consumer Duty.
• Demonstrates strong analytical skills, risk evaluation and proficiency in financial modelling - strong Excel skills would be highly desirable.

If you're interested in the Senior Underwriter opportunity, you have the necessary skills, knowledge and experience, and you live in or can commute to Cardiff, please apply with an updated CV today.