About

• Company Description
• Benefits of working for Charles Street
• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Free access to company holiday homes
• Buy & sell holidays
• Discretionary annual bonus plus an additional Shared Reward Bonus
• Matched pension contribution
• Health cash plan plus Private medical insurance
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts
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• Company Description
• Charles Street Finance (“CSF”) is a specialist secured lender based in Cheadle, South Manchester. Established in 1983, we’re a small team but have doubled the size of the loan book over 2 years such that we are seeking to grow and enhance the existing personnel in key areas to further facilitate our ambitions.
• We are all about a common-sense proposition built around attention to detail and speed of response whilst always putting the customer at the heart of everything we do.
• A can-do approach fuels our speed of response from enquiry through to payment. Honesty and integrity are fundamental principles across the customer journey and the many long-standing relationships we have cultivated are testament to our service levels and reliability.
• Job Description
• As an Underwriter, you will be responsible for providing the highest standards of underwriting of commercial mortgage applications across our secured bridging, buy-to-let and term lending products. You will ensure professional service is provided and stakeholder expectations are met by assessing risk, adhering to appropriate criteria and procedures and by being flexible and efficient.

As an Underwriter, we are looking for someone to

• Professionally assess the risk, accurately underwrite, mandate and complete secured loan applications to ensure that we minimise risk to the business and maintain strong focus on service delivery by following CSF lending criteria, policies and procedures
• Proactively manage all cases from direct customers and introducer/stakeholder cohort thereby delivering a high touch service which both enhances our reputation and increases future business flows
• Provide a rationale on each application ensuring that the loan is affordable, plausible and sustainable. Providing a mortgage offer to the applicant(s) within the agreed service level.
• Proactively manage a pipeline of cases throughout an end-to-end process for both pre and post offer, ensuring that information is proactively requested from brokers and third parties within agreed Service Level Agreements
• To liaise directly with acting solicitors, obtaining the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
• Qualifications
• Essential
• Previous underwriting experience within the secured lending and commercial mortgage market
• Ability to make positive lending decisions
• Ability to work under pressure and to strict deadlines
• Experience of dealing with customers
• Experience of managing broker relationships
• Strong planning and organisational skills
• Possess strong objection handling and problem solving skills
• If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you in regards to your suitability for the role.
• Additional Information
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• Charles Street embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
• If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
• Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.