Underwriting & Completions Consultant

About the team

The Underwriting department supports the Bank by assessing the risk of lending and protecting the Bank against this risk and losses. With strong market knowledge, a diagnostic approach and ability to give dependable decisions, the team take a common-sense approach to manual underwriting.

About Us

The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market.

Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly owned subsidiary OSBIndia.

Alongside passion for our products and customers, we are passionate about our people and want to continue building a collaborative and engaging environment. Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work. This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme.

What you will be doing

In this role, you will be responsible for providing a high level of customer service to all internal and external customers whilst maintaining quality with assessment of key underwriting and completions documents as well as driving pipeline chasing to completion.

Your responsibilities will include:

Providing a consistently high quality of customer service to both external and internal customers.

Ensuring that all enquiries and complex queries relating to Underwriting and Completions are dealt with promptly, efficiently and in accordance with the Bank’s service standards, policies and procedures and the UK Finance Mortgage Lenders Handbook for Conveyancers.

Assessing mortgage application documents in line with the Bank’s policy and standards.

Reviewing and agreeing property reports and if necessary, refer to Valuer and assessing the response.

This is a fantastic opportunity for a talented individual who has had some experience dealing with mortgage administration or property sales progressing who is looking for the next step in their career. With a structured and robust progression plan in place for our Underwriting and Completion Consultants, every team member is enthusiastic about supporting each other's development to reach their true potential.

In return for your commitment

We offer a base salary dependent on experience of between £24,000 - £25,000 and a competitive benefits package including:

Discretionary annual bonus opportunity of up to 12.5%.

28 days annual leave plus bank holidays

Contributory pension (8% employer 5% employee).

Life Assurance (4x salary) plus Group Income Protection.

Access to Private Medical Insurance and Medical Cash Plan.

Maternity & Adoption Leave – Occupational Maternity/Adoption Pay provided at 100% of salary for 26 weeks.

Paternity Leave – 8 weeks of paid Paternity Leave to be taken within the first 12 months of childbirth/adoption placements.

Additional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals, Payroll giving and Save as you Earn scheme.

Could you be the one?

We are looking for talented individuals who have the experience and knowledge set out below:

Previous primary servicing or collections experience is desirable.

Working knowledge of the mortgage product life cycle from application to completion is essential.

Working knowledge of Microsoft Word, Excel and PowerPoint is essential.

GSCE/GCE qualifications in both Maths and English are essential.

We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves.

What to do next

If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.

Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page.

If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!

OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds.

As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress.

Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.

All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful.

Permanent, full time