Underwriter Buy-to-Let

LendInvest is the UKs leading FinTech platform for property finance. Over the past 15 years we have grown from just our two founders to a team of over 200 working to make property finance simple for everyone.

A workplace culture built around trying new things getting things done and having fun while we do it has helped us lend more than 6 billion of mortgages put thousands of new or improved homes into the UK housing market and successfully launch on the London Stock Exchange. We have big plans to continue growing the business our products our technology and our people.

About your work

You will be responsible for the underwriting of BuytoLetloans from the enquiry stage through to completion. You will be required to demonstrate a good understanding and experience of assessing all aspects of credit risk on borrower applications including valuations credit reports and legals whilst taking a balanced view on the risk return for the business.

Responsibilities of the role

• Manage the underwriting process from enquiry through to completion ensuring an efficient and accurate assessment of credit risk borrower applications valuations and legal aspects.
• Demonstrate an excellent knowledge of Lendinvest Lending and the Financial Crime Policies
• Deal with initial broker/BDM leads according to the defined SLA
• Deal with initial case assessments according to the defined SLA
• Full case approval/underwriting according to SLA including lending rationale that ensures lending decision is clear without recourse to the underwriter
• Deal with other ad hoc tasks to ensure swift processing of cases
• Liaise with borrowers/brokers throughout the process to ensure understanding and prompt responses
• Partner closely with solicitors and valuers in support of the Case Manager
• Ensure a high standard of service/communication when liaising with borrowers or brokers by telephone email and letter
• Supporting and developing Case Manager skills and knowledge
• Other adhoc duties and projects

What are we looking for

• Resilient confident and committed with the ability to engage and form strong relationships with key stakeholders
• Ability to make quality lending judgements and articulate them fully.

• Demonstrate a good understanding of:
  Credit Referencing Agency reports (personal and commercial)
  KYC/AML/financial crime regulation
  Application scoring
  CIFAS/SIRA
  Land Registry Reports
  RICS Valuations / AVMs
  Commercial property and contract law

• Strong attention to detail with excellent numeracy and ability to identify risks at an early stage
• Capable and experienced in dealing with a highvolume workflow and prioritising accordingly
• Strong understanding of Treating Customers Fairly (TCF) and Conduct Risk and ensuring both principles are key cultural aspects of how the job holder works
• CeMap qualified (Beneficial but not essential)
• Knowledge of regulated lending (MCOB) is an advantage
• Previous mandate min 250000 (nonscoring centric)

Benefits & perks

Hybrid & flexible working policy
25 days holiday
Private healthcare
Enhanced parental leave
Matched pension contributions
Critical illness cover
Employee Assistance Programme & mental health support
Life assurance
Matched pension contributions
Leadership training for managers
Volunteering day
Give as you earn scheme for charitable donations
Support for attending conferences and professional learning & development
Discounts via Perkbox
Cycle to work scheme
Season ticket loan
Electric car loan scheme
Monthly socials & annual offsite

Diversity Inclusion & Belonging at LendInvest

At LI we believe in bringing your whole selves to work we are committed to a culture of belonging where individuals can form a genuine community. We are proud to be an equal opportunities employer and are committed to building a team that represents a variety of backgrounds perspectives and skills.