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Job description

Ashman Bank is on a journey to build sustainable banking.

We are an ambitious new entrant into the SME Lending and Consumer Deposit Markets. We are pioneering financial services that enrich the customer and the planet.

We are looking for a SME Mortgage Underwriter

• Are you experienced in underwriting any of bridging, buy to let loans, commercial mortgages or property development loans, assessing loans to ensure they are within risk appetite and policy?
• Are you comfortable assessing applications from SMEs including analysing financial accounts to fully understand their business?
• Do you put the customer and their experience at the heart of everything you do?
• Do you have experience of developing processes and continuously seeking to improve them?
• Are you keen to be part of a start-up build and help develop the bank during a period of significant investment over several years?
• Are you looking for a new opportunity where you can make a difference?

Then this role could be for you.

We are looking for someone who has :

• At least 3 years’ experience in specialist lending as an Underwriter, covering any or all of Bridging, BTL, Commercial or Development. Where you do not have experience of all products, we can provide training.
• Comfortable understanding, extracting information and making informed decisions from company information including filed accounts and management information.
• Experience of the broker and SME marketplaces.
• Good knowledge of mortgage loan processing, compliance requirements and legal regulations within the mortgage industry. CeMap would be a nice to have, but not essential.
• Knowledge of FCA/PRA regulatory issues in both underwriting/finance and real property.
• Proficiency in Microsoft Office products and in using underwriting systems.

The role reports into our Head of Underwriting.

Job Types: Full-time, Permanent

Salary: £35,000.00-£50,000.00 per year

Benefits:

• Life insurance
• Private medical insurance

Schedule:

• 8 hour shift

Ability to commute/relocate:

• Birmingham: reliably commute or plan to relocate before starting work (required)

Experience:

• Underwriting: 3 years (required)

Work authorisation:

• United Kingdom (required)

Work Location: Hybrid remote in Birmingham