Senior National Accounts Underwriting Consultant evaluating and pricing group disability and life insurance for 2,000+ lives. Requires 7+ years of experience in group underwriting and strong analytical skills.
About the role
- Head of Secured Lending Underwriting overseeing mortgage underwriting activities and leading a team of underwriters at a financial institution.
Responsibilities
- Mortgage Underwriting
- Responsible for all aspects of Secured Lending Underwriting across all organic mortgage brands and proposition styles.
- Responsible for building a cohesive team of competent Underwriters who consistently deliver appropriate lending outcomes in line with policy, process and regulatory requirements.
- Responsible for the strategy, treatment, and experience of the bank’s mortgage customers, driving towards a best in class Service Delivery Model in Mortgage Operations.
- Responsible for maintaining Consumer Duty principles with regards to Consumer Support and Consumer Understanding.
- Responsible for the identification/oversight of the bank's fraud & financial crime within the Secured Lending Operations.
- Work collaboratively with the Head of Secured Lending Operations to deliver consistent and timely lending outcomes across the whole of Secured Lending Operations
- Act as a point of escalation for complex queries from department colleagues and key stakeholders from across Chetwood and our key stakeholders.
- Be part of the development, maintenance and testing of business continuity and resilience plans.
- Be part of Third-Party Management, Procurement and Outsourced Servicing Oversight across the business.
- Be part of cataloguing and maintaining key business processes/procedures
- Aid in establishing the bank's business readiness process to ensure all business requirements are delivered as a part of change implementation.
- Be part of the training across the business either classroom or e-learning, including input into the production of online training module creation.
- Be part of Operational Quality Assurance, incorporating customer contact, outcome testing and E2E operations process testing.
- Be part of the bank's operational risk exposure by supporting the business to identify areas of operational risk exposure and by developing and implementing corrective action.
- Collaborate with leadership, committees and consultants to execute strategies.
- Communicate strategy effectively throughout the company.
- Ensure compliance with Regulatory requirements relating to Operations.
- Responsible for implementing, monitoring and analysing KPIs/KRIs for day-to-day operations to ensure efficient completion of activity within desired SLAs across all products and functions.
- Lead on the execution of business initiatives.
- Drive effective communication of highly complex / contentious information where there are barriers to understanding.
- Act as an internal communications advisor to ensure the organisations culture and strategy is well messaged across the business.
Requirements
- Degree/Advanced degree and/or the equivalent experience.
- Demonstrable Operational expertise in both strategic, operational and hands-on roles with responsibility for the full scope of all operational activities, gained within the Financial Services sector.
- Demonstrable IT & Change expertise in both strategic, operational and hands-on roles with responsibility for the full scope of technology and change activities, gained within the Financial Services sector.
- A proven track record of successfully implementing high profile strategic projects, managing multiple projects/deadlines and multitasking with ease.
- Minimum 10 years relevant experience
- Understanding depth understanding of the Financial Services sector with specific focus on Mortgage Lending (BTL/Residential/Bridging).
- Strong capability in strategic thinking, developing solutions and effective business planning.
- Understanding of compliance/regulatory requirements in the financial services sector.
- Strong commercial and financial acumen.
- Substantial management experience and achievement at operational level, plus evidence of significant achievement in strategic level projects or workstreams.
- Experience in leading and managing substantial service change and redesign in a complex environment.
- Understanding of Conduct Risk and how to deliver fair customer outcomes.
- Understanding of risk appetite and risk management frameworks in relation to mortgage lending.
- Leads by example with a clarity of vision and ability to communicate with conviction, courageous in decision making and a role model for Bank’s values.
- Ability to develop strong working relationships with senior management colleagues, direct reports, and shareholders.
- Ability to communicate effectively both orally and in writing with all levels of management, regulators, and the Bank’s committees.
- Works in partnership to achieve goals.
- Demonstrating excellence, frankness, openness, and transparency
- Inspire respect, trust, and commitment to business objectives with well-developed leadership and people management skills.
- Demonstrates sound business/professional judgement through strength of character, independence of thought risk awareness and good values and behaviours.
- Works well under pressure and can prioritise and manage multiple and complex projects simultaneously.
- High levels of drive, energy, and personal commitment to success.
- Strong influencing skills with the ability to package and present ideas and gain agreement at an executive level.
- Developing people to support them to be the best that they can be.
Benefits
- Competitive salary
- 25 days holiday PLUS your BIRTHDAY off
- Pension contribution with Royal London
- Life Assurance
- Private medical, dental and optical health insurance with Axa
- Hybrid working – Wrexham
- Free breakfast available
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Location requirements
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