Hybrid Head of Secured Lending Underwriting

at Chetwood Bank

• Job title: Head of Secured Lending Underwriting
• Job type: Full Time
• Experience level: Lead
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Fleet, United Kingdom

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