Enra Specialist Finance
Team Leader - Buy To Let Bespoke Mortgages
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Role Overview
Are you a natural leader who enjoys bringing out the best in others and knows what it takes to deliver great lending decisions? Do you have experience in BTL Bespoke mortgages and thrive in a specialist lending environment where complex cases, commercial judgement, and strong broker relationships are part of the day-to-day?
If you’re ready to lead from the front, support your team, and make a real impact, this could be the perfect next step. Apply today and let’s grow together at West One Loans.
Key Accountabilities
- Be responsible for the operational function of the department.
- Manage & support a team of Underwriters.
- Maintain a pipeline of cases.
- Ensure all sign-offs are done in a timely manner.
- Ensure all credit papers are presented in the correct manner.
- Ensure all referrals are done in a timely manner.
- Developing staff and promoting self-improvement within the team.
- Be the first point of contact in the absence of the Head of Mortgage Operations.
- Maintain broker relationships integral to the growth of WOSL.
- Promote our Team Ethic.
- Maintain and review all internal operational process documents, ensuring relevant information is captured and used by the underwriting team.
- Take ownership of UAT testing requirements of the business, ensuring the underwriting operating system functions as required.
- Ensure Quarterly One-to-Ones are carried out with the underwriters, ensuring all training/development needs are met.
- Prepare and deliver 6-monthly/Yearly appraisals.
- Ensure all underwriting is in line with Company policy and within regulation.
- Underwrite Bespoke loan applications and maintain a pipeline of cases when the business requires.
- Be a referral point for Underwriters and broker support for queries on applications.
- Liaise with introducers, valuers, and solicitors ensuring an excellent relationship is maintained.
- Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) checks in line with regulatory requirements and internal policies & procedures.
- Ensure compliance with AML, sanctions, and financial crime policies & procedures.
- Perform Customer Due Diligence (CDD) and supported Enhanced Due Diligence (EDD) for higher-risk cases and assess customer applications for potential money laundering and financial crime risks.
- Identify and escalate suspicious or unusual transactions in accordance with internal AML policies.
- As a Mandate holder, ensure all cases are approved within the Group's Risk appetite.
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Skills & Competencies
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- Excellent leadership skills.
- Ability to work as part of a team.
- Pass internal competency tests post induction.
- High attention to detail.
- Good written and verbal communication skills.
Knowledge & Qualifications
- A strong understanding of BTL Mortgages.
- Current/Previous Mandate Holder with a Lender in the specialist mortgage market.
- A minimum of 5 years’ experience underwriting mortgage applications for a Lender, specifically within the BTL loan market.
- Experienced in Managing people.
- CeMAP (desirable, not essential).
- Minimum of 5 GCSEs A-C (Including Maths and English).
Personal Attributes
- Flexible.
- Articulate.
- Well organized.
- Robust and comfortable working to deadline and under pressure.
Why Join Us?
At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.
Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.
If you’re ready to build your career with a Specialist Lender and make an impact - click apply today!
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