CHETWOOD FINANCIAL

Responsibility

• complete thematic reviews of treasury processes, financial models and regulatory compliance of key returns in line with Risk’s assurance plan
• enhance the Bank’s stress testing capabilities and framework
• dealing with enquiries /queries on all stages of the mortgage application process from FMA through to completion
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• demonstrate good communication skills and the ability to communicate decisions to brokers and solicitors via digital and non digital channels
• complete capital stress testing and documentation as part of the Bank’s ICAAP
• provide oversight and challenge of the ILAAP, Recovery Plan and Pillar 3 disclosures
• liaising between the broker and underwriter to provide a seamless and efficient mortgage offer
• proactively managing mortgage applications through the journey to completion
• prepare and enhance the prudential risk MI for the Risk Forum and Board Risk Committee
• participating in the Liquidity Working Group and present Risk’s Opinion papers to ALCo as required
• completing all administration tasks in a timely and accurate manner
• act as a trusted advisor to the Treasury and Finance function, providing advice, guidance and challenge on the full range of prudential risks and treasury activities
• ensuring excellent customer service is maintained throughout the whole process
• supporting and mentoring junior members of the Risk team
• proactively monitor PRA regulatory changes and ensure all relevant regulations are syndicated to the relevant teams and individuals in the business
• proactively chase applications through to completion, updating all parties as and when required
• reviewing and handling client documents in a compliant manner that’s aligned with GDPR
• skills and experience
• working in a similar fast paced environment in mortgage case manager role
• answering written or verbal enquiries promptly, professionally and with courtesy to meet and exceed expectations, and maintain the positive reputation of the company
• sound knowledge of mortgages and lending

Requirements

• previous experience in a financial risk, treasury, or a related finance role
• detailed knowledge of relevant regulatory frameworks, notably ICAAP, ILAAP recovery planning pertaining to new and emerging banks
• excellent communication and presentation skills, ability to articulate key messages and outcomes clearly and concisely
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• excellent negotiating and influencing skills in delivery of change

Earnings for position manager

Current offers for the position:

Responsibility

• support the business in identifying and implementing required changes to improving working practices and/or procedures
• undertake project work/thematic reviews to update or enhance existing lending criteria and associated parameters of policies and procedures
• deal with escalated/complex queries and applications, taking ownership and identifying a way forward
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• to be a Subject Matter Expert on all stages of the mortgage process from pre-application through to completion
• structure, negotiate, and analyse proposals for approval under own authority
• act as first point of contact for underwriters and other team members, assisting with all queries to ensure best practice and knowledge is shared and adhered to
• demonstrate a good understanding of mortgages and underwriting within a specialist lending environment and application of the lending policy
• approve loans within specified lending mandates
• have a good understanding of all regulatory requirements relating to both personal and Limited Company mortgages
• identify areas of risk and/or opportunity to the business; investigating and analysing the issues and presenting to the Underwriting Team Leader for wider consideration
• demonstrate strong analytical skills that aid effective decision-making, good problem-solving skills, and a “can do” attitude
• dealing and advising on all stages of the mortgage process from application through to completion
• to provide effective support to the business and our customers
• provide guidance to customers, brokers, and solicitors on mortgage applications, lending policy, and internal processes and procedures all within a timely manner
• skills and experience
• analyse and interpret any documentation required in order to comply with lending policy and protect our interest
• demonstrate an excellent understanding of mortgages and underwriting within a specialist lending environment and application of the lending policy
• demonstrate excellent communication skills and the ability to communicate decisions to management, brokers, and customers via all mediums and within published SLAs
• A minimum of 5 years of mortgage underwriting experience is desirable
• have an excellent understanding of all regulatory requirements relating to both personal and Limited Company mortgages

Requirements

• A minimum of 5 years of mortgage underwriting experience at a senior level is desirable
• working in a similar fast-paced environment in an underwriter role
• an excellent understanding of mortgages /underwriting
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• good IT skills
• excellent verbal and written communication skills; able to remain calm under pressure
• up-to-date knowledge of FCA /PRA and all relevant regulatory mortgage requirements
• excellent organisational skills
• attention to detail
• ability to prioritise tasks and manage time effectively, working on own initiative and as part of a team in order to meet SLAs and deadlines
• flexible approach and “can do” attitude

Current offers for the position:

Responsibility

• who we are & what we do
• who we are, what we do
• founded in 2016, Chetwood Financial is a digital bank using technology to make people better off
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• at Chetwood, we think differently
• we act differently
• unlike traditional banking models, we’re not obsessed with customer ownership and cross-selling other products
• identify control gaps, assist with the design of appropriate measures, and monitor the implementation of control activities across business units
• role Purpose
• your responsibilities will encompass overseeing business controls, first-line risk, and coordinating continuity and resilience requirements across the organisation
• the successful candidate will coordinate all aspects of the Operational Resilience Framework, including
• implement regular targeted deep dive assessments against this standard to ensure adherence to requirements - Sharing results with management and the second line of defence
• we use our banking and technology experience to design and manufacture stand-alone financial products that meet the needs of those using them and by building unique and dynamic products, we make engaging with personal finances easier than ever before
• business Control Standard: Develop and maintain a Business Control Standard, ensuring controls are implemented where necessary and are fit for purpose
• identification of Chetwood’s important business services and associated impact tolerances, agreeing these with senior stakeholders, the SMF24 and Board
• we’re always on the lookout for exceptional talent to join the team who share a belief in making a positive difference – making financial services better for customers by challenging conventions
• KRCs and KCIs) to track the effectiveness of control measures and risk management efforts
• coordination of firm wide business impact assessments to support continuity planning and resource mapping
• manage the delivery of the control testing schedule across the business and provide oversight and challenge of results ahead of submission to the second line of defence
• maintenance of business service interdependency mapping
• the Business Control Manager plays a crucial role in ensuring the bank's operations are conducted in a secure, compliant, and resilient manner
• the purpose of the role is to maintain and enhance the Operational Resilience Framework throughout Chetwood, in line with SMF24 and Board expectations, as well as ensuring compliance with regulatory obligations
• business Control Testing: Support the business with implementation of first line control testing and documentation
• the Operational Resilience and Business Continuity Manager will work with key stakeholders throughout the firm to understand the most critical aspects of the business and develop capabilities to prevent, respond to and recover from severe but plausible disruption scenarios
• coordination of business continuity & disaster recovery planning exercises
• work Facilitate risks assessments, identifying emerging risks in support of the completion of RCSAs , working with these stakeholders to implement effective risk mitigation strategies
• support the business in appropriately assessing risk, identifying root cause and agreeing appropriate action plans
• the role requires a strong understanding of banking operations, risk management, associated regulatory requirements, and the ability to lead and collaborate with diverse teams
• ensure issues and risks are being fed back into risk assessments, registers and reporting
• oversight of third-party risk management & due diligence, including involvement in exit planning & testing where required
• launched BetterBorrow; a quick and simple loan where customers receive their money in 30minutes or less
• monitoring & management of potential impact tolerance breach events, participation in major incident management where required
• monitoring and reporting on key resilience and risk indicators

Requirements

• extensive experience in risk management, business controls, continuity, or a related field within the banking industry
• strong knowledge of UK banking regulations, best practices, and industry standards
• proven experience in developing and implementing risk management and business continuity frameworks
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• excellent leadership and communication skills to effectively collaborate with diverse teams and stakeholders
• analytical mindset with the ability to assess complex situations and provide strategic solutions
• what we offer
• A relaxed, sociable and flexible working environment
• competitive salary
• opportunity to work for a progressive and exciting company
• chetwood Highlights
• here are just a few examples of what we’ve achieved so far and what’s coming soon
• secured a full banking licence from the PRA in 2018 - the only retail bank to do so that year

Current offers for the position:

Responsibility

• who we are & what we do
• founded in 2016, Chetwood Financial is a digital bank using technology to make people better off
• at Chetwood, we think differently
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• we act differently
• unlike traditional banking models, we’re not obsessed with customer ownership and cross-selling other products
• provide support and guidance on the automation of new features and functionality
• extend existing automation tests and develop new tests as well as contributing continual improvement to existing test frameworks
• role Purpose
• continually monitor and improve maintenance overhead of automation test execution
• definition of test data and providing insight into data management and tooling
• development of additional system stubs and test harnesses to facilitate specific types & levels of testing
• our Test Engineers are key to the successful delivery of this strategy
• raising, triaging and resolving issues alongside deep dive issue investigation and replication
• we use our banking and technology experience to design and manufacture stand-alone financial products that meet the needs of those using them and by building unique and dynamic products, we make engaging with personal finances easier than ever before
• generating new and updating existing system and engineering documentation
• we’re always on the lookout for exceptional talent to join the team who share a belief in making a positive difference – making financial services better for customers by challenging conventions
• creating a variety of test related reports for varying stakeholders and audiences
• assist in regular reviews of existing processes with the aim of improvement and efficiency
• chetwood Financial are extending their Automation Test strategy with the aim of improving confidence in changes across the whole SDLC and infrastructure
• this strategy builds on the fast and focused test automation execution, the identification and subsequent filling of system functionality gaps and the inclusion of test execution into all stages of development from requirement gathering to production releases in order to ensure minimal undesired impact and increased knowledge on the scope of changes
• monitor and control deployments into QA environments as part of the CICD process
• be an active contributing member in all relevant sprint ceremonies
• focus on becoming an SME on specific business functionality
• you will be joining a growing team with the purpose of improving what we have, building what we don’t have and improving the Test Engineering team, the engineering function and the technology offering as a whole
• chetwood highlights
• contribute to initiatives developed by the horizontal QA team chapters
• training & Mentoring other members of the Test Engineering team
• training & Mentoring other members of the QA team

Current offers for the position:

Responsibility

• who we are & what we do
• founded in 2016, Chetwood Financial is a digital bank using technology to make people better off
• at Chetwood, we think differently
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• we act differently
• unlike traditional banking models, we’re not obsessed with customer ownership and cross-selling other products
• role Purpose
• leading and coordinating designs, implementations, and deliveries for medium to large features or engineering problems
• contributing towards good practices and standards
• strongly considering non-functional requirements
• promoting agile ways of working and continuous improvements within your team improving overall performance
• collaborating with front-end and mobile developers to design APIs and ensure seamless integration of services
• supporting onboarding or mentoring engineers in the team which helps improve performance
• we use our banking and technology experience to design and manufacture stand-alone financial products that meet the needs of those using them and by building unique and dynamic products, we make engaging with personal finances easier than ever before
• skills and Experience
• A strong understanding of data structures and algorithms
• we are looking for a positive-minded, experienced Senior software engineer to join our team in London and help us decommission our existing lending platform and build the next generation based on a 3rd party core banking engine
• A strong experience with Python
• A proven experience building AWS serverless applications
• strong feelings toward testing and documenting
• experience modeling relational & non-relational databases
• chetwood Highlights
• knowledge and appreciation of networking, infrastructure as code, CI/CD

Current offers for the position: