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Job no: 074369
Work type: Permanent Full Time
Location: Remote - work from anywhere within the UK
Categories: Credit Risk

Business Unit: Customer Experience
Salary range: £20,800 - £26,000 per annum DOE
Location: Remote – work from anywhere within the UK
Contract Type: Permanent

Give your career some Virgin va-va-voom

Virgin Money is all about disrupting the status quo, taking on the challenges of the future, and saying goodbye to boring banking. We’re on the lookout for like-minded individuals and innovators like you to help push us forward. We’re also transforming how we work to give our colleagues more choice, control and flexibility to live and work how they choose with A Life More Virgin.

Here’s what it means for YOU:

• 38.5 days annual leave for all colleagues (including bank holidays and pro rata if part-time)
• Up to five extra paid well-being days per year
• A 35-hour working week
• 20 weeks paid, gender neutral family leave (52 weeks in total) for expectant parents and those looking to adopt
• Market leading Pension & Private Medical Insurance
• Flexible benefits including Cycle to Work, Wellness & Health Assessments and Critical Illness
• Ability to work anywhere in the UK (where the role allows)

And you get these Red-Hot Rewards from

Our Underwriting team is central to our Mortgage Operations function; they provide the framework through which decisions are made regarding our mortgage applications. We pride ourselves in putting our customers at the heart of everything we do, so we need to ensure that we make responsible lending decisions that keep our customers (and ourselves) safe.

We’ve a new opportunity for a talented individual to join this amazing team as an Underwriter. You’ll be responsible for underwriting mortgage applications up to a £500,000 mandate limit. We need a good decision maker – but above all, everything that you’ll do will be in accordance with internal & external policies, regulations & guidelines. It’s also really important that you demonstrate adherence to Responsible Lending Principles at all times.

Day to Day you’ll

• Be underwriting mortgage applications in line with your delegated authority and in line with policy, whilst fully demonstrating that your decision has been made responsibly. We need someone who is Insatiably Curious and isn’t afraid to ask questions.
• Building professional relationships with our Intermediary partners, keeping them informed throughout the mortgage process.
• Providing advice and recommendations to stakeholders, Brokers, Customers and Colleagues regarding loans in line with your delegated authority. Straight up - honesty and professionalism is key.

To be successful you’ll need to bring

• Experience of working in a similar role and within Financial Services.
• Strong relationship building skills (particularly with key stakeholders and third-party companies)
• A track record of protecting customers by using your insatiable curiosity to uncover suspicious activity
• You must be able to demonstrate that you’ve made responsible decisions.
• Experience of finding new ways to continuously improve processes in a practical, pragmatic, but safe manner.

The following would be brilliant...but not essential…

• Experience in a mortgage’s role

We really need you to have the skills and experience listed in the ‘ To be successful’ above, but the rest is just our wish list, so please don’t let that put you off applying, we’d love to hear from you!

Inclusion at Virgin Money

Inclusion is at the heart of everything we do here at Virgin Money. It’s good for you, it’s good for us and it’s amazing for our customers. We know that great minds don’t think alike, so we rely on your diverse thoughts, feelings, beliefs and backgrounds to be the best we can possibly be. Got any questions about this or need some support with your application? We’d love to hear from you so get in touch with our careers team at [email protected].

Now the legal bit…

Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it) but we’ll need to you to confirm you have the Right to Work in the UK.

If you’re successful securing a role with us, there are some checks you need to complete before starting. This includes a credit and criminal record check, as well 3 years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we’ll ask for 6 years' of regulatory references and once in role, you’ll be subject to periodic employment checks.