Analyst

Taking ownership and being accountable of mortgage applications, from initial submission through to offer, delivering a seamless service to brokers and partners

·         Reviewing and screening residential owner occupied and buy to let (in both individual names and trading companies names) mortgage applications to understand the customer and application type, ensuring the correct packaging requirements are set

·         Applying a future thinking, holistic approach by anticipating the need of the underwriter, this will be done through:

o    Understanding and assessing the risk of the application

o    Using and interpreting lending policy to ensure the case meets the packaging guidelines

·         Being responsible for the quality of data, identify and correct inaccuracies, including customer personal data, property portfolio and income and commitments, including the validation of documentation

·         Working to agreed deadlines, meeting and exceeding set SLAs at each touchpoint

·         Managing all mortgage documents and supporting information, by assessing and validate documents, ensuring they meet the relevant policy and regulatory guidelines.

·         Ensuring the case is managed through the relevant systems, ensuring one customer and application record that is reflective of the information required to manage risk and deliver for our customers, including using relevant third party websites and systems, e.g. Companies House

·         Having the ability to review and asses key documents and mortgage information, such as:

o    Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc

o    Proof of ID, proof of address

o    Buy to let portfolio’s etc

o    Credit reference reports, EPC reports, Companies House searches

·         Undertaking required Customer due-diligence through:

o    Document assessment and validation; proof of ID, proof of address

o    Ensure accuracy of data from a customer identity perspective

o    Ensure CDD policies are adhered to

·         Protecting the customer and the Bank by having a strong knowledge of anti-money laundering policies and fraud prevention processes.  Identification of potential external fraud, and scheme misuse to protect the bank against possible bad debts, referring to the relevant team.

·         Adhering to required data management standards by applying the correct updates and notes in a clear and concise way

·         Maintaining strong technical system knowledge of mortgage origination systems and the wider supporting systems (quest, lender hub, kama etc.)

·         Delivering against service KPIs, ensuring efficiency and effectiveness targets are met

·         Understanding of system rules and affordability calculators to ensure adherence to policy and bank risk appetite

Adhering to all Standard Operating Procedures across the application journey

 

 

 

 

Mandatory Skills: Mortgage(Originations) .

 

Experience: 1-3 Years .

 

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