Credit Assurance Specialist

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Job description

Due to our continued success, we have an exciting opportunity within the Credit team for a Credit Assurance Specialist working for a successful financial services company within the buy to let mortgage sector. Reporting into the Credit Team Leader you will be based in Fleet working the hours of 9am 5pm with WFH options available after training. Salary is negotiable dependent on experience, a discretionary annual bonus, plus 25 days holiday, non-contributory pension, private healthcare, life assurance and income protection. The role would suit candidates with proven underwriting experience within the mortgage sector.

The Credit Assurance Specialist role aim is to protect the company from fraud using tools such as Hunter, CIFAS and SIRA and to provide vital support to the Credit Team. You will be the point of referral on Broker Panel queries from around the business, as to whether we can consider a broker on panel to why a broker has been removed and where appropriate recommend that a broker is removed or reinstated to panel. You will be responsible for Broker Reviews, Broker Panel queries, monitoring broker quality via declined and cancelled rates, Analysing Data and maintain a relationship with the Sales team.

Reporting to the Credit Team Leader, the key areas of responsibilities are as follows:
• To action and maintain all information from lenders on Brokers, reporting correctly onto the SIRA system.
• To action and consider all broker appeals together with any broker panel queries from across the business.
• Develop and maintain co-operative relationships between all internal stakeholders and investigate all referrals in a professional manner.
• Work Fraud systems such as CIFAS, SIRA & Hunter to mitigate potential losses.
• To investigate all intelligence and action accordingly.
• Carrying out Broker reviews, liaising with sales to arrange they visit the broker or before removal of a Broker and preparing a management report for Credit Committee.
• Reporting the removal decision in a professional manner to Broker Support, the Broker, FCA, and other Lenders.
• Prepare Management Reports, ensuring they are prepared in time for Exco or Credit Committee meetings.
• Analyse broker data to protect the business.

To be considered for the Credit Assurance Specialist role you will hold the following:
• Current or previous experience of working within the mortgage industry with a mortgage underwriting background, having currently or previously held a mandate.
• Proven ability to exercise good commercial and professional judgment.
• PC literate with a knowledge of Microsoft Office products
• Knowledge of Hunter, CIFAS & SIRA systems would be beneficial but not essential.

In return we can offer a generous salary plus discretionary bonus, a full benefits package and the opportunity to WFH and progress your career within the business.

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