Careers

The successful candidate will be a suitably qualified and experienced manual Underwriter in the specialist mortgage market, having recently held both Residential and Buy to Let lending mandates for a minimum of 2 years and a strong understanding of complex specialist lending scenarios.

They’ll be confident and well-reasoned in their decision making with excellent attention to detail, proactive in managing their applications, always be striving to provide an excellent customer journey and be a great team player.

• Underwrite and decision complex Residential and BTL mortgage applications whilst ensuring exceptional customer service
• Self-manage their own caseload in line with the business priorities while achieving agreed production and quality targets, and annual objectives
• Have a ‘can do’ approach to responsible lending decision making, considering mortgage applications outside of our standard lending policy where a justifiable business reason exists
• Ensure responsibilities regarding Consumer Duty, the Prevention of Financial Crime (including AML, identification, and reporting of fraud) and responsible lending are carried out effectively and in accordance with the Company’s policies
• Develop and maintain knowledge of our mortgage products and our bespoke underwriting approach, aligned to Vida’s risk appetite, products, and criteria
• Support out Intermediary partners with their queries

• Extensive experience of specialist mortgage manual underwriting, the mortgage intermediary market, its products, marketing approach and processes
• Held a specialist residential and BTL lending mandate for a minimum of 2 years (£500k+ mandate desirable)
• A detailed understanding of complex Residential and BTL lending types, such as: Portfolio Buy to Let, SPV’s, New Build, Help to Buy/First Home Fund, Contractors, Ex-Pats, Self-Employed, Credit Repair, HMOs and MUBs and LIR.
• Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment and a demonstrable understanding of Consumer Duty and responsible lending.
• CeMap qualified or industry equivalent (desirable)
• Able to demonstrate a proactive, hardworking and flexible attitude to work and be team player
• Proficient in MS Office, credit risk decision systems