Robert Half


Wales, Cardiff
£55000 - £75000 per annum + bonus
14 Nov 2017
12 Dec 2017
Charlotte Allen
Job Role
Qualification Level
Not qualified
Seniority Level
Head Of
Contract Type

ROBERT HALF are exclusively recruiting for a HEAD OF UNDERWRITING FOR OPTIMUM CREDIT: a leading provider of second charge mortgages for homeowners in England, Wales and Scotland

This is an exciting opportunity to join a business that is growing at an exponential rate.

In this entrepreneurial organisation you will have the potential to influence; inform new product development; benefit from a dynamic pace of change and have a direct line of input to the board.


Reporting to the Chief Operating Officer you will be a key appointment for a successful, innovative organisation looking to extend its product footprint, entering new markets.

You will be managing the day to day operational underwriting function and support ExCo with the delivery of high quality, efficient, effective and regulatory compliant underwriting within the business

Line and relationship management responsibilities with key colleagues and stakeholders

Lead and manage the underwriting team(s) and associated activity in line with policy and procedure guidelines including mandates, exceptions and credit committee recommendations

Production, analysis and interpretation of accurate MI in respect of key departmental KPI and activity tracking

Identify and communicate key business issues and trends, escalating to appropriate management levels

Pro-actively and positively assist Retail, Wholesale and Customer Services teams in achieving 'right first time' case submissions

Work with QA colleagues to review all aspects of mortgage lending including undertaking quality control checks

Ensuring the underwriting team is compliant with policy and procedures

Providing advice in accordance with MCOB sourcebook


Knowledge required.

Strong working knowledge and understanding of Mortgage Conduct of Business (MCOB) regulations and Consumer Credit Act.

Keen appreciation and interest in the future of consumer finance regulation, guidelines and principles to be evidenced and maintained - including, but not limited, to responsible lending, broker/introducer relationships, TCF and fair customer outcomes etc.

CeMAP qualification (essential)

Relevant Professional qualification or relevant degree (desired)

Extensive underwriting experience in financial services is a prerequisite


OPTIMUM CREDIT: a leading provider of second charge mortgages for homeowners in England, Wales and Scotland

Salary & Benefits

Salary from £55,000 to £75,000 depending on experience plus an exceedingly generous benefits package and on site parking.

Robert Half Ltd acts as an employment business for temporary positions and an employment agency for permanent positions. Robert Half is committed to equal opportunity and diversity. Suitable candidates with equivalent qualifications and more or less experience can apply. By applying to this position, you acknowledge that you have read and accept the following terms: