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Buy-To-Let Mortgage Underwriter

An opportunity has arisen to join our buy to let underwriting team based at our head office in Borehamwood. The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

    • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
    • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
    • Proactive chasing of outstanding information from third parties and timely updates to introducers to enable service excellence
    • Recommending and referring cases to Credit Committee where credit committee approval required.
    • Liaising with introducers, valuers and solicitors
    • Overseeing cases from inception through to completion

Skills & Competencies

  • Excellent attention to detail
  • Strong organisational skills
  • Ability to perform under pressure and meet deadlines

Knowledge & Qualifications

  • Experience underwriting mortgage applications, specifically within the BTL market.
  • A strong understanding of the UK housing market and FCA regulation.
  • CeMAP (desirable, not essential) or a willingness to study for this qualification

Personal Attributes

  • Excellent communication skills
  • Resilient and flexible
  • Team Player
  • Approachable and self- motivated

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Software Developer

An opportunity has arisen to join our busy tech team based at our head office in Borehamwood. We are looking for an experienced Software Developer (PHP Developer / Full Stack Developer) to assist in the development and maintenance of ENRA’s software products.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Help develop and maintain the company’s software applications.
  • Provide technical expertise (in relation to performance, reliability, scalability and security) to help guide decision making.
  • Write technical and non-technical specifications.
  • Review technical and non-technical specifications and cost them.
  • Effectively manage time and convey progress whilst working on multiple tasks.
  • Assist in improving the company’s deployment processes.
  • Help maintain and manage documentation.
  • Interpret and evaluate business requirements and contribute to the design of applications.

Skills & Competencies

  • Good communication skills - able to understand and explain complex concepts in non-technical language; able to contribute effectively to team meetings.
  • Team player - able to get on well with other members of the team; collaborate; and compromise.
  • Problem solver - able to apply knowledge, logic and imagination to make sense of complex problems and develop solutions to solve them.
  • Reliable and trustworthy - conscientious, and focused on working for the good of the team and the company. Willing to follow processes, meet deadlines, and provide advanced notice if unable to meet commitments.

Knowledge & Qualifications

  • Strong Object Oriented PHP 7 programming skills
  • Strong JavaScript programming skills
  • Strong command line use of GIT
  • Previous experience administering Linux servers
  • Previous experience setting-up and maintaining CI/CD pipelines
  • Previous experience of using Laravel/Lumen frameworks
  • Previous experience of using the Zend 3 framework
  • Previous experience of using Vue.js
  • Previous experience of using Jira

Personal Attributes

  • Enthusiastic "can do" attitude
  • Proactive
  • Analytical
  • Organised
  • Calm under pressure
  • Enjoys working as part of a team

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Commercial Underwriter/Broker

An opportunity has arisen to join our complex BTL & Commercial broking team where you will be responsible for managing a caseload to maximise loan completions and new business.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Manage a caseload while assisting team members to manage their caseload in busy times and in times of absence.
  • Identify the most suitable lender for customers and be proactive in dealing with the lender through to completion.
  • Liaise with brokers, borrowers, lenders, valuers.
  • Ensure SLA’s are maintained and exceeded.
  • Maintain full records on systems, including clear and concise notes.
  • Assist the team in order to achieve the highest service standards, deliver solutions to customers and help the business achieve its goals and objectives.

Skills & Competencies

    • Pass internal competency tests post induction
    • Good communication skills essential for dealing with brokers, borrowers and lenders
    • A team player
    • Logical and organised

Knowledge & Qualifications

  • CeMap qualified, or desire in working towards CeMap qualification.
  • Experience of secured broking/packaging/lending.

Personal Attributes

  • Proactive and able to identify and highlight areas of opportunity or improvement and advise on actions required
  • Ability to analyse and present complex information in a clear, relevant and interesting way
  • Self-motivated

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Senior Bridging Underwriter

An opportunity has arisen to join our successful bridging underwriting team based at our head office in Borehamwood. The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Managing the entire lending process from application through to drawdown whilst adhering to underwriting and due diligence processes.
  • Effectively manage the lending process by liaising with internal departments and external parties.
  • Instructing Solicitors once offer is made and providing all relevant documentation.
  • Support team members and coach other underwriters.
  • Act with integrity and embrace philosophy of TCF guidelines and adhere to responsible lending principles.
  • Demonstrating deep underwriting knowledge and expertise.
  • Be willing to assist the wider team when required.

Skills & Competencies

  • Excellent attention to detail
  • Strong organisational skills
  • Ability to perform under pressure and meet deadlines

Knowledge & Qualifications

  • Experience underwriting mortgage applications, specifically within the Bridging and/or development market.
  • A strong understanding of the UK housing market and FCA regulation.
  • CeMAP (desirable, not essential) or a willingness to study for this qualification

Personal Attributes

  • Excellent communication skills
  • Resilient and flexible
  • Able to work under pressure
  • Approachable and self- motivated

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Underwriting Administrator

This opportunity will help promote individuals to develop new skills, give them a new career path and ultimately become a Lending Underwriter within West One. The role requires administrative duties to support the underwriters within the team.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Create a digital application file and ensure all necessary documentation is collected, scanned, and stored correctly.
  • Contacting accountants on verification calls.
  • Instructing Solicitors to act on behalf of West One in the transaction.
  • Carrying out a QA check for other underwriters.
    • As experience increases, the trainee underwriter’s cases will need to be QA checked by another member of the team.
  • A point of contact for incoming calls to the team’s main group telephone number.
  • Return any original documents to clients

Skills & Competencies

  • Excellent attention to detail
  • Positive attitude to develop and expand knowledge
  • Strong organisational skills
  • Ability to perform under pressure and meet deadlines
  • Ability to handle difficult situations in a professional and helpful manner

Knowledge & Qualifications

  • Experience within an administrative role.
  • GCSE Maths & English necessary.

Personal Attributes

  • Excellent communication skills
  • Resilient and flexible
  • Team Player
  • Approachable and self- motivated

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Mortgage Administrator

Based at our second office in Gerrards Cross, the role will be to work with our mortgage advisers to assist with all aspects of the administration of loan applications from initial enquiry stage through to loan completion. The successful candidate would also be responsible for other ad hoc admin tasks from different aspects of the business including compliance and sales and marketing.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

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Job Description

Key Accountabilities

  • Create a digital application file and ensure all necessary documentation is collected, scanned, and stored correctly.
  • Requesting references relevant to each application (from lenders, accountants, solicitors etc)
  • Compiling updates to send to brokers and clients throughout application and offer stages but also chasing relevant parties for updates.
  • Following up cases expiring with introducers/clients.
  • Ensuring the CRM system is regularly updated with the correct details and the cases are up to date.
  • Answering inbound calls.
  • Inputting enquiries onto CRM system for advisers.
  • Checking documentation on cases to ensure correct and in line with what has been requested.
  • Instructing, and managing the valuation process for certain lenders.

Skills & Competencies

  • Pass internal competency tests post induction.
  • Good communication skills essential for dealing with brokers, borrowers and lenders, especially on the telephone.
  • Proactive.
  • Ability to manage own diary and meet strict deadlines.

Knowledge & Qualifications

  • Previous experience within administration roles is essential and experience in the financial services industry specifically property finance is preferred but not essential.

Personal Attributes

  • Team player.
  • Strong organisational skills.
  • Resilient and flexible.

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.