An exciting opportunity to join a growing financial services organisation based in the city centre of Glasgow, you will be a part of a team of 7, sitting in the 2nd line of defence and will provide assurance and effective operational governance over mortgages/underwriting. You will also be accountable for assessing adherence to policy including credit, affordability, customer verification, mandates and escalations.

Key responsibilities:

• Review new lending applications in advance of offer against all applicable policies, identify and escalate any potential breaches in line with department policy
• Review notes and comments made by underwriters to ensure all decisions have an appropriate supporting rationale using the agreed structure
• Ensure escalation policy has been followed for any exceptions identified and that these have been appropriately documented
• Manage work levels to ensure Service Level Agreement’s (SLA’s) are met and ensure quality standards are regularly achieved
• Assist in the review of departmental processes ensuring that they are well documented, customer focused, efficient and up to date
• Contribute to achievement of departmental Key Performance Indicator’s (KPIs) and Treating Customer Fairly (TCF) KPI’s ensuring we maintain the ability to demonstrate we are meeting our TCF obligations
• Actively participate in department meetings ensuring minutes, actions and key updates are accurately recorded
• Challenge internal processes and procedures where evidence suggests improvements could be made
• Assist in the production of key management information and reporting
• Maintain the company’s compliance standards and own compliance training in relation to the Audit & Control team
• Set high standards in relation to dealing with enquiries from other operational areas, demonstrating a desire and willingness to listen and take appropriate action when necessary
• Work closely with other teams in particular the New Lending Team, fostering a healthy relationship where challenge is the norm
• Review sources of industry guidance in order to keep abreast of changes which could impact areas under Audit & Control remit and provide recommendations to team leader on any relevant areas

Experience Required:

You will preferably have 2 years’ experience within the secured lending or residential or Buy to Let mortgage market or will have worked as an underwriter (either mortgages or insurance) or will have worked in the 2nd/3rd line within a Financial Services organisation.

You will have worked in a regulatory environment, will maintain excellent communication skills both verbal and written and be comfortable building rapport with key stakeholders. You will enjoy problem solving and will consider yourself as a self-starter.

In return you will be offered a competitive salary and benefits package, will have the opportunity to join a fast-paced growing business that focuses on staff development, working collaboratively and is entrepreneurial in nature.

Salary: £26,000 - £30,000 DOE