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Financial Crime Officer

Kind Consultancy is working with an already succesful and rapidly growing alternative Financial Services firm which is currently seeking a Financial Crime Officer to join them in a permanent, full-time hybrid role based in their Birmingham office and paying £40,000 to £45,000 dependent on experience.

The Financial Crime Officer will focus on identifying, assessing, monitoring, and mitigating Financial Crime risks, with key responsibilities including:

  • Conducting quality assurance on the output of Financial Crime operations to detect suspicious activity.
  • Investigating alert outcomes relating to transaction monitoring, name screening, payment filtering and fraud detection.
  • Conducting quality assurance on customer risk assessments and associated due diligence reviews.
  • Ensuring all Line 1 financial crime output complies with regulatory requirements and internal processes.
  • Preparing and communicating detailed quality assurance reports, highlighting individual and thematic issues.
  • Conducting AML/CTF, Sanctions, Political Exposure, and Fraud Investigations in line with internal processes.
  • Supporting the drafting of internal suspicious activity reports (SARs) prior to escalation.
  • Maintaining accurate records of all investigations and reporting activities.
  • Providing advisory support to Customer Due Diligence and Ongoing Monitoring Teams.
  • Assisting in developing and updating Line 1 financial crime procedures and methodologies.
  • Ensuring regulatory and internal process changes are communicated effectively.
  • Assisting with the delivery of training on financial crime awareness and prevention.
  • Contributing to developing training materials to support ongoing education.

Our ideal candidate for the Financial Crime Officer opportunity:

  • Holds a professional certification such as CAMS (Certified Anti-Money Laundering Specialist) or ICA Diploma in Financial Crime Prevention
  • Must have at least 3 years of experience in a similar role within Financial Crime compliance
  • Possesses strong knowledge of regulations and industry best practices
  • Displays excellent analytical and investigative skills and consistently strong attention to detail.
  • Has effective communication skills, both written and verbal.
  • Works equally well independently and as part of a team.
  • Is proficient in using Financial Crime compliance monitoring software

If you’re interested in the Financial Crime Officer role, you have the skills, qualifications and experience we’re looking for and you’re based in or can commute to Birmingham, please apply with an updated CV today.

Outcome Tester

Kind Consultancy is working with a growing specialist challenger bank which is currently seeking an Outcome Tester to join them in a full-time, permanent role paying circa £40,000 with a hybrid work model based out of their West Midlands office.

Reporting to the Customer Outcomes Team Leader, the Outcome Tester will conduct outcome-based testing and share their findings, with key responsibilities including:

  • Completing end-to-end reviews and assessing the overall outcome of the customer journey.
  • Identifying themes and trends by conducting root cause analysis for both good and poor outcomes.
  • Identifying subsequent actions for internal progression where applicable to our service offering or where the cause of a poor outcome is due to retailer / supplier defined elements of the service such as customer communication, website content, ensure these are captured for escalation.
  • Sharing MI, findings, and actions.
  • Ensuring Risk Events are reported as soon as they are identified and tracked to conclusion.
  • Contributing to the Customer Outcome Performance Dashboard that monitors key measures to evidence good customer outcomes are being delivered

Our ideal candidate for the Outcome Tester opportunity:

  • Has good knowledge of Outcome based testing and the associated policies and processes
  • Has good knowledge of FCA regulations and financial services compliance generally and the applicable FCA Rulebooks, DISP, GDPR and Consumer Duty
  • Demonstrates a strong understanding of what good customer outcomes look like, developed during previous Outcome Testing experience

If you’re interested in the Outcome Tester role, have the necessary skills and experience, and are based in or can commute to the West Midlands, please apply with an updated CV today.

BTL Underwriting Manager

Kind Consultancy is working with a growing specialist lender which is currently seeking a Buy-to-Let Underwriting Manager to join them in a full-time, permanent role in their Hertfordshire offices.

Key responsibilities for the BTL Underwriting Manager will centre on designing, managing, embedding and delivering the credit risk management framework and procedures ensuring best practise is installed within the underwriting procedures, with other activities including:

  • Underwriting loan applications in accordance with the firm’s lending criteria, policies and procedures.
  • Managing and developing the underwriting team to case manage loans from inception to completion.
  • Ensuring SLA’s are maintained and exceeded
  • Developing and promoting clear standards of performance within underwriting which support the Company Training and Competency Policy
  • Implementing required training and ensuring adequate records of staff training and competence are maintained
  • Ownership of the BTL origination platform which will include helping develop effective systems and processes, providing specifications and UAT
  • Approving high value loans
  • Developing a highly skilled and competent underwriting team and robust credit risk framework.
  • Implementing effective underwriting controls across all processes and procedures which minimises the risk of error and promotes compliant and robust underwriting decisions

Our ideal candidate for the BTL Underwriting Manager role:

  • Has extensive experience of BTL underwriting
  • Demonstrates a strong understanding of FCA regulations
  • Is a pro-active, well organised problem-solver
  • Is an excellent communicator, able to build and maintain strong working relationships with brokers, borrowers and lenders
  • Is analytical, decisive and assertive
  • Being CeMAP qualified is not essential but would be desirable

If you’re interested in the BTL Underwriting Manager opportunity, you have the skills and experience we’re looking for, and you are based in or can commute to Hertfordshire, please apply with an updated CV today.

Senior Underwriter

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.

Senior BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a Senior BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £50,000.

The Senior BTL Underwriter will take ownership of allocated Buy-to-Let cases from inception through to completion, underwriting, maintaining and managing a pipeline of complex and high value cases, through to offer, with key responsibilities including:

  • Assessing applications that have been referred for approval by Underwriting Case Managers
  • Documenting rationale as to why a case should or should not be offered
  • Providing real time feedback to the Underwriting Case Managers on a case by case basis and also providing daily, weekly and monthly reporting to the line manager.
  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers for complex and high value cases where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively chasing outstanding information from third parties and sharing timely updates to introducers to enable service excellence
  • Recommending and referring cases to the relevant mandate holders for approval
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to offer
  • Updating all relevant systems to maintain management information

Our ideal candidate for the Senior BTL Underwriter opportunity:

  • Has a good understanding of business risk
  • Has significant experience within the secured lending sector underwriting mortgage applications, specifically within the Buy to Let market.
  • Demonstrates a good understanding of the underwriting process, with previous experience of managing a caseload and assessing cases for approval in a fast-paced environment
  • Holding CeMAP would be desirable but is not essential
  • Has very good organisational, analytical and time management skills
  • Displays excellent verbal & written communication skills
  • Is a competent user of Microsoft office software
  • Has consistently excellent attention to detail

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

BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The BTL Underwrite will underwrite buy-to-let loan applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the BTL Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically within the BTL market.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Senior 2nd Charge Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a Senior 2nd Charge Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £52,000.

The Senior 2nd Charge Underwriter will provide support to the 2nd Charge team leader and act as a referral point to less experienced staff, with key responsibilities including:

  • Underwriting large loan applications (up to £250k) and maintain a pipeline of cases.
  • Taking ownership of tasks delegated from the Team Leader such as UAT testing , product set up on the lending platform, updating procedure documents, etc
  • Managing the Team in the absence of the Team Leader.
  • Assisting in training and mentoring and being a referral point to less experienced members of the team.
  • Acting as first point of contact for broker support for queries on applications in the absence of the Team Leader.
  • Maintaining broker relationships
  • Ensuring all underwriting is in line with company policy and within regulation.
  • Liaising with introducers, valuers and solicitors
  • Ensuring that all cases are Underwritten within the organisation’s Risk appetite.

Our ideal candidate for the Senior 2nd Charge Underwriter position:

  • Has a strong understanding of FCA regulation and good up-to-date knowledge of the Mortgage market
  • Has previous experience of 2nd Charge Underwriting work
  • Is a team-player
  • Demonstrates consistently strong attention to detail
  • Holding CeMAP would be desirable but is not essential
  • Must have a minimum of 5 GCSEs A-C (Including Maths and English).

If you’re interested in the Senior 2nd Charge Underwriter opportunity,

Residential Mortgage Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking three Residential Mortgage Underwriters to join them in full-time, permanent roles based in their Hertfordshire office, paying up to £45,000.

The Residential Mortgage Underwriter will take ownership of allocated cases from inception through to completion, with key responsibilities including:

  • Entering and updating borrower data on lending platform.
  • Ensuring all aspects of the loans are recorded accurately on lending platform and meet underwriting guidelines.
  • Carrying out an assessment of the mortgage applications to ensure all aspects of underwriting criteria are met.
  • Providing concise and accurate updates to brokers.
  • Proactively chasing brokers for outstanding requirements.
  • Ensuring all underwriting is in line with Company policy and within regulation.
  • Ensuring that all cases are Underwritten within the Groups Risk appetite.
  • Building good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Maintaining a pipeline of cases, overseeing cases from inception through to completion.
  • Maintaining broker relationships that are integral to business growth.

Our ideal candidate for the Residential Mortgage Underwriter opportunity:

  • Has a good understanding of FCA regulation.
  • Is experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
  • Holding CeMAP would be desirable but is not essential
  • Displays consistently strong attention to detail.
  • Has good written and verbal communication skills.

If you’re interested in the Residential Mortgage Underwriter opportunity, you have the necessary skills and experience, and you live in or can commute to Hertfordshire, please apply with an updated CV today.

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