The underwriting department supports the Bank by processing mortgage applications for new and existing borrowers, ensuring that the Bank’s lending policy and appetite for risk are correctly applied. They adhere to the relevant regulatory requirements, with fair customer outcomes a high priority at all times.

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're 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. 

As an Underwriting and Completions Consultant, you will play a key role in providing excellent customer service and administrative support to the Bridging team, while ensuring the quality assessment of essential underwriting documentation.

You will be responsible for managing key stakeholder relationships through inbound and outbound calls with brokers and solicitors, as well as overseeing the management of a shared inbox.

If you are a driven individual, this role offers a fantastic opportunity for career progression through our clearly defined career pathway.

Your responsibilities will include…

• Providing an excellent customer service to both external and internal customers and other stakeholders involved in the mortgage process, including inbound and outbound calls with mortgage intermediaries, customers and other 3^rd parties.
• Ensure that all enquiries received are dealt with promptly, efficiently and in accordance with the Bank’s procedures.
• Managing team inbox and responding to emails and other forms of communication within team SLA’s. Instructing valuations and keeping mortgage intermediaries updated throughout the application process.
• Assess mortgage applications, supporting documentation and valuation reports in line with the Bank’s policy and standards.
• Liaise with underwriters and legal where necessary on complex policy decisions.
• Provide referral/ recommendations to Underwriters for offer approvals with rationale support.
• Identify any potentially fraudulent activity and escalate any concerns to Management or the appropriate person in line with procedure.

We offer a base salary of £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 the first 26 weeks.
• Paternity Leave – 8 weeks of paid leave to be taken within 12 months of birth or adoption.
• 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.

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

• Previous administration experience within the mortgage environment
• Confident speaking to customers on the phone in relation to mortgage application processing
• Strong knowledge in stakeholder management, hitting KPI’s and knowledge of mortgages is desirable

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.

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.