High Net Worth Underwriter

Join our dynamic team at Together as a High Net Worth Underwriter, where you will play a crucial role in assessing and underwriting high-value insurance applications. You will leverage your expertise to evaluate risks, ensuring that our clients receive the best coverage tailored to their needs.In this full-time position, you will collaborate with a team of p…

Join our dynamic team at Together as a High Net Worth Underwriter, where you will play a pivotal role in assessing and underwriting insurance applications for high-net-worth clients. Utilize your expertise to evaluate risks, analyze client profiles, and design tailored insurance solutions that meet their unique needs.

We are seeking a skilled High Net Worth Underwriter who excels in navigating intricate financial landscapes to assess the affordability of debt for our valued clients. This pivotal role involves accurately underwriting, mandating, and finalizing mortgage and secured loan applications tailored for High Net Worth individuals as part of our esteemed Premier Service. Your primary focus will be on delivering exceptional service by adhering to our group lending criteria, policies, and procedures. You will actively cultivate strong relationships with customers and brokers, ensuring a seamless service experience that fosters future business growth.As a High Net Worth Underwriter, your responsibilities will include:Analyzing full statutory accounts (Ltd/LLP) to track financial movements between entities through dividends, director loans, and management charges.Reconstructing net income from diverse sources (trading profits, vesting, and carried interest) and evaluating its long-term viability through multi-year trend analysis and stress testing.Possessing a solid understanding of UK personal and corporate tax (S455, SA302s, and dividend vs. salary) to assess the implications of tax planning on actual cash flow.Demonstrating familiarity with trusts, holding companies, and offshore vehicles to ascertain control over wealth and the feasibility of repatriating funds.Navigating FCA MCOB regulations concerning HNW exemptions and modified affordability.Effectively triaging clients against HNW definitions (£300k+ income / £3m+ net assets) and distinguishing between income-based underwriting and Asset-Based Lending (ABL).Understanding how various asset types (ranging from private equity to fine art) can generate liquidity or future exit opportunities.Identifying policy exceptions and recognizing early warning signals within a client’s portfolio, such as concentration risk or excessive leverage.

Join Together as a Mortgage Underwriter, where you will play a vital role in evaluating and assessing mortgage applications. Your expertise will ensure that we maintain the highest standards of lending practices. We are looking for a detail-oriented professional who thrives in a dynamic environment and is committed to delivering exceptional service.

Join our dynamic team at together as a Mortgage Underwriter. In this pivotal role, you will be responsible for assessing loan applications, ensuring compliance with regulations, and making decisions that help our clients secure the financing they need. Your expertise will guide our underwriting process, allowing us to maintain high standards of quality and service.

Join Together as a Mortgage Underwriter, where you will play a pivotal role in assessing and approving mortgage applications. You will utilize your expertise to ensure compliance with lending regulations while providing exceptional service to our clients.

Join together as a Senior Corporate Underwriter, where you will play a pivotal role in assessing and managing risk for our corporate clients. You will leverage your extensive experience in credit analysis to ensure sound underwriting decisions that align with our strategic objectives.

We are seeking a highly skilled and experienced Senior Corporate Underwriter to join our dynamic team at together. In this pivotal role, you will be responsible for assessing and underwriting complex corporate risks, ensuring that our portfolio remains robust and resilient. You will collaborate closely with various departments to implement risk management strategies and contribute to the overall success of our credit and portfolio risk initiatives.

Join our dynamic Corporate Lending Team as a Senior Corporate Underwriter, where you will play a pivotal role in assessing, underwriting, and managing intricate corporate real estate transactions. You will collaborate closely with the Corporate Sales and Portfolio Teams to provide tailored lending solutions to both new and existing corporate clients.Our Corporate Lending Team partners with direct customers and broker channels to craft commercially viable and sustainable solutions, evaluating credit positions and identifying optimal options that align with both customer needs and Together's strategic objectives.Your workload will be supported by an expert team, including a Corporate Case and Completion Manager and a Corporate Processing Executive, ensuring you are well-equipped to succeed.As a Senior Corporate Underwriter, you will be expected to:Conduct thorough evaluations and analyses of credit and portfolio risk for clients with lending requirements exceeding £2 million.Perform detailed financial analyses, reviewing financial statements, cash flows, market trends, and industry risks.Assess the creditworthiness of high-value corporate clients, identifying key risks and mitigation strategies associated with each loan proposal.Structure complex loan facilities in alignment with customer needs and Together's risk appetite.Review and authorize credit proposals, ensuring compliance with risk appetite and regulatory standards.Lead underwriting discussions during credit committee meetings and with senior stakeholders, providing insights and recommendations based on comprehensive financial evaluations.