Underwriter

Join us as an Underwriter We’ll look to you to deliver successful customer and business outcomes by sanctioning mortgage applications in accordance with current risk appetite, process, and procedures You’ll be responsible for underwriting both residential and non-residential customer mortgage applications across multiple channels on employed income through effective workload management and the application of credit processes and systems You’ll enjoy considerable variety as well as stakeholder interaction, responding to queries from customers and stakeholders promptly while reviewing manual or ineffective processes and identifying opportunities to improve our service, processes, and procedures Depending on your level of experience, you’ll be rewarded with a salary of between £24,750 – 27,500 What you’ll do As an Underwriter, you’ll be processing all applications within a delegated authority level, ensuring great customer and business outcomes. You’ll manage your personal workload effectively to make sure agreed SLAs are met and quality output is attained, and you’ll identify and support improvements to processes that will enhance efficiency and the customer experience. You’ll do this by utilising appropriate tools such as the Process Health Check and you’ll make appropriate use of credit tools and policies to effectively support the control of credit risk in your decision making. As well as this, you’ll: Support the robust risk and control frameworks in relation to judgmental lending which meet the strategic needs of the organisation, including the communication, training, and awareness of these frameworks Support, coach, and mentor colleagues Make appropriate use of credit processes and procedures to exercise credit policy within your mandatory authority Support the team to achieve goals through active collaboration Maintain an awareness of leadership tools, and participate in activities to drive improvements Support the development of team performance and customer service by role modelling our core service behaviours and standards, and adopting leadership tools and techniques The skills you’ll bring We’re looking for someone with great written and spoken communication skills, a collaborative approach, and a background in customer service and delivery.    Along with good analytical skills and a keen eye for detail, you’ll have the ability to work to tight deadlines and make calculations based on payslips and bank statements. Underwriting experience would be desirable but not essential, as you’ll be working towards a Full Underwriting Mandate. You’ll also demonstrate: An awareness of changes in trends, policies, and regulations applicable to your business area A self-motivated approach with the ability to work in a busy environment, managing your own and others’ workloads effectively to meet customer demand A thorough understanding of processes and banking systems The ability to interpret information and provide analysis and solutions to support continuous improvement How we’ll reward you You’ll join us on a competitive salary starting from £24,750 pro rata for the hours you work. You’ll also benefit from: A range of protection, healthcare and lifestyle benefits through Natwest Group Benefits, our fully flexible reward programme A generous holiday entitlement of 33 days, pro rata for hours worked A monthly contribution to your retirement fund To find out more about the benefits we offer, check out our . What else you need to know Your working pattern You’re joining an incredible network of colleagues who are here for our customers whenever and wherever they need us but you’ll work between 8am to 6pm, Monday to Friday. Your work life balance As soon as you’re up to speed and settled in your new role, we’ll send you any kit you need to set yourself up for working from home. You’ll spend a minimum of six days a month in the office, depending on business needs. Your learning journey Your journey starts with a comprehensive training programme where you’ll gain a range of new skills, and the confidence to use them. You’ll also benefit from ongoing coaching and support