Senior Underwriter – Remote Contract

Kind Consultancy is working with a major UK Financial Services brand which is currently seeking multiple Senior Underwriters for a remote contract opportunity, for an initial six month, full time contract paying £31.02 per hour via umbrella.

A key component of the Mortgage Operations division of the business, the Senior Underwriters are responsible for the assessment of the highest risk mortgage enquiries and the customer journey from Decision in Principle to Mortgage offer, with key responsibilities including:

  • Making lending decisions up to £1.5m that comply with the organisation’s risk appetite, policy requirements, internal underwriting guidelines and are within your mandated authority limits
  • Ensuring all lending decisions comply with regulatory requirements such as MCOB, Responsible Lending, Consumer Duty.
  • Where appropriate, identifying and agreeing high quality exceptions to standard lending policy to support the business’s growth aspirations.
  • Communicating with customers to fully explaining lending decision rationale.
  • Proactively managing your own performance, monitoring your success and taking action to improve your performance and capability.
  • Consistently delivering agreed targets and Service Level Agreements, demonstrating a strong commitment to delivering high quality lending decisions.

Our ideal candidate for the Senior Underwriting contract:

  • Has 2 or more years of mortgage underwriting experience and currently hold an active mortgage full discretion (i.e. ability to agree lending outside of standard policy) Lending Mandate of at least £500,000.
  • Has a detailed knowledge of the regulatory framework which applies to mortgages and is able to apply this consistently to all decisions.  Regulations include:
    • MCOB including responsible lending principles
    • FCA vulnerable customer guidance
    • PRA Portfolio Landlord lending standards
  • Demonstrates strong analytical and numerical skills.
  • Is a great communicator, confident engaging with customers and stakeholders (both internal and external) to gather relevant information, relay decisions, and maintain accurate and appropriately detailed records of underwriting decisions and their supporting rationale.
  • Is able to be empathetic and flexible in underwriting decisions, always aiming to always deliver the best outcome for both customer and the business.
  • Has excellent Relationship-building skills –  building strong internal and external relationships is central to being successful in this role.
  • Is enthusiastic and driven to deliver great service internally and externally to support the mortgage strategy.
  • Is able to manage own performance, monitoring your success and taking action to improve your performance/capability.

If you’re interested in the Senior Underwriter contract, you’re available to start in mid-February 2025 and you have the necessary skills, knowledge and experience, please apply with an updated CV today.

Senior Enterprise & Prudential Risk Manager

Kind Consultancy is working with an exciting, fast-growing Challenger Bank which is currently seeking a Senior Enterprise & Prudential Risk Manager to join them in a full-time, permanent role paying circa £90,000 with a predominantly remote work model.

Reporting to the Head of Enterprise and Operational Risk, the Senior Enterprise & Prudential Risk Manager forms part of the 2nd Line of Defence Risk Management Team and will focus on assisting and overseeing control of the bank’s Enterprise Risk Management, Prudential Risk Management and Operational Risk Management, with key responsibilities including:

  • Designing, implementing and overseeing the core risk management frameworks used throughout the Bank, across all risk types.
  • Identifying, assessing, monitoring and reporting on all material prudential, operational and enterprise risks across the Bank, providing support where required and offering robust challenge to the business to develop and strengthen risk management and controls.
  • Supporting the embedding of the RCSA process, and implementing controls testing as appropriate.
  • Engaging positively across the business to drive a strong culture of accountability and continuous improvement, ensuring that legal and regulatory requirements are met.
  • Monitoring all material risks in accordance with the Bank’s risk strategy and risk appetite, identifying and recommending improvements for the management of risks and the control environment.
  • Assessing the adequacy of the Bank’s financial resources, and compliance with regulatory minimum requirements.
  • Reviewing upcoming prudential risk requirements to ensure the Bank is well placed to meet them.
  • Providing advice and guidance to the 1st line of defence to assist in the interpretation of regulatory requirements and management of prudential risk, as required.
  • Identifying, developing and deploying appropriate operational risk management tools, techniques and strategies to ensure operational risk management across the Bank is value adding and contributes towards the overall strategy and performance of the business.
  • Enhancing the firms internal risk incident reporting framework.
  • Ensuring there is a robust suite of MI that facilitates and drives decision making on the remediation of identified risk and operational resilience weaknesses and vulnerabilities.

Our ideal candidate for the Senior Enterprise & Prudential Risk Manager opportunity:

  • Has a minimum of 5 years’ experience of working in a regulated Financial Services environment.
  • Is a proven Senior Leader with strong working knowledge of Enterprise Risk, Prudential Risk and Operational Risk management.
  • Has the gravitas and credibility for cross-function work at all levels.
  • Has experience of a range of risk management control frameworks
  • Demonstrate excellent written and verbal communication skills.
  • Is a strategic thinker with proven people leadership skills, able to excite, motivate, nurture and enable the success of others and build strong working relationships.

If you’re interested in the Senior Enterprise & Prudential Risk Manager opportunity and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

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