THE COAST PARTNERSHIP

Responsibility

• assist underwriters in evaluating and assessing insurance applications
• conduct thorough analysis and evaluation of loan applications, including financial documents, credit histories, property valuations, and other relevant information
• liaising with valuers, solicitors, and intermediaries
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• underwrite across BTL/Residential Applications
• review and analyze applicant information, including financial documents and risk factors
• assess risks associated with each application, considering factors such as borrower creditworthiness, loan-to-value ratios, and property values
• ensuring all files are complete and accurate
• assess and underwrite bridging loan applications in line with prevailing lending policy and mandate level
• conduct research and gather data to support underwriting decisions
• make informed underwriting decisions, including approving, denying, or conditionally approving loan applications, based on established criteria
• ensuring all deals comply with the Company’s lending criteria
• use Credit Risk Policy and individual mandate level to make decisions
• use the human side of the underwriting process to make informed decisions
• assess and resolve risk or any issues of applications
• assist in determining coverage limits and premiums based on risk assessment
• ensure compliance with internal policies, external regulations, and industry standards throughout the underwriting process
• completing all credit papers accurately
• work closely with intermediaries to manage the process from application to completion
• control all new applications, and pre-sub referrals to the set standards
• collaborate with underwriters to ensure accurate and timely completion of underwriting tasks
• collaborate with brokers, borrowers, and other stakeholders to gather necessary information, clarify requirements, and provide updates on the underwriting process
• projecting positivity, professionalism, and knowledge across all communications
• manage and proactively work on a pipeline of applications from start to finish
• assess credit reports, KYC, and AML documentation to ensure applications are verified
• maintain accurate records of policies, endorsements, and other relevant documents
• maintain accurate documentation of underwriting decisions, calculations, and recommendations to ensure a comprehensive loan file
• working closely with the whole business to ensure deals progress smoothly and efficiently
• review valuation reports
• job Title: Assistant Underwriter
• work with the lenders they already have to provide quick, and on-point underwriting decisions
• provide support in handling policy renewals, cancellations, and endorsements
• support Underwriting Managers with complex loan assessments
• approve and reject applications in line with policy and mandate
• follow all internal underwriting policy and regulatory requirements – FCA, PRA, Money Laundering, etc
• communicate with agents, brokers, and clients to gather additional information or clarify details
• presentations to Line Manager in respect of property loans for funding
• recommend loans to the Head of Lending or Credit Committee where they fall outside of the lending mandate held
• work on any adhoc tasks that are set
• stay updated on industry trends, regulations, and best practices related to underwriting
• produce high quality and articulate credit papers, presenting a clear rationale for supporting the proposal
• manage your own pipeline of cases
• liaising with brokers, borrowers, and professional partners such as solicitors and surveyors
• other ad hoc tasks to ensure swift processing of cases in with any SLAs
• liaising with brokers to assist obtaining the required documents and supporting information to expedite the completion of loan applications
• liaising with Underwriting and Credit
• submit weekly progress reports and ensure data is accurate
• obtaining property information and valuation quotes
• ensure that data including tracking of calls, correspondence and visits are accurately entered and managed within the company’s CRM system
• attend and contribute to sales meetings

Requirements

• strong analytical and critical thinking skills
• excellent attention to detail and accuracy
• analytical and methodical thinking
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• knowledge in underwriting credit or lending experience specific to BTL/Residential
• minimum experience of 3 years property lending
• proficient in using underwriting software and tools
• ability to take ownership and work on own initiative
• working within an FCA-regulated environment
• good communication and interpersonal skills
• excellent team player
• time management and workload management
• good project and time management skills
• ability to work effectively in a team environment
• strong communication skills
• building rapport with Introducers and/or external customers
• comfortable in a fast-moving environment where priorities sometimes change
• strong organizational and time management skills
• the ability to work under pressure to deadlines
• knowledge of insurance policies, procedures, and regulations
• comfortable working to a brief, as part of a team or on your own
• you must be committed, enthusiastic, flexible and be a lateral thinker
• underwriting: 1 year
• strong attention to detail and ability to identify risks at an early stage
• bridging Loans: 2 years
• possess strong IT skills with strong working knowledge of MS Office
• job Types: Full-time, Permanent

Earnings for position underwriter

Responsibility

• attending Client meetings & corresponding with clients
• provide a high level of technical support
• preparing and maintaining client files and client reviews
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• writing Engagement Letters
• ensure all compliance procedures and client files are maintained to a high standard
• writing suitability reports
• preparation and writing of reports for clients on financial planning matters
• building cash flow models
• undertaking research to identify appropriate financial planning solutions
• keying new business, drawdowns, Bed & SIPPs, rebalances and withdrawals
• undertake research as required for specific projects, i.e., on providers and investments
• obtaining quotations, valuations, and other relevant literature to accompany client reports
• preparing recommendations and suitability reports
• populating applications
• identifying areas for further financial planning
• updating Voyant
• attend client meetings, when required, with advisers, and contribute to such meetings
• liaising with Admin/Support to arrange Client review meetings where applicable
• establishing and building strong relationships with clients
• cash & Rebalance Reports
• attend and contribute to regular team meetings as required
• undertake ad hoc projects as required
• checking CGT Reports
• cash flow planning
• CF Calculations
• update/Create event lists
• assisting with reviews and customer requests as well as acting as a point of contact for our clients to deal with day to day queries
• keep up to date with financial products and legislation
• report writing - new business and existing client servicing
• comply with all company and industry guidelines, rules and regulations

Requirements

• diploma in regulated financial planning
• experience within financial services sector
• level 4 Diploma qualified or close to completion
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• level 4 Diploma qualified or studying
• experience of working as a Paraplanner for a similar firm
• highly organised with excellent communication skills
• minimum of two years experience in a similar role at an IFA practice
• strong organisation skills with the ability to manage workload to meet deadlines
• good planning and organisational skills
• A strong understanding of pensions and investments
• PPOL software, O&M research and Intelligent Office experience would be an advantageous
• excellent communication skills
• our client is a long, long established Wealth IFA with smart London Offices
• exceptional attention to detail
• educated to a minimum of A level, or currently studying towards financial industry qualifications
• after assessing these against the client’s financial objectives, you will produce timely and compliant Financial Planning Reports
• strong industry/technical knowledge
• you will be providing a full Technical Support/Paraplanning function to their Financial Advisors, ensuring client service and compliance are always delivered
• attention to detail
• manages time effectively with the ability to multi-task
• presentable and highly organised with a keen attention to detail
• capable of working in a team and independently with the ability to manage own workload
• open to change with a creative approach to problem solving
• you will need excellent communication skills, both verbal and written
• good time management skills and ability to work under pressure to meet specific deadlines
• strong organisational skills and the ability to manage your own work-flow and prioritise
• demonstrates a positive attitude
• works well on own tasks as well as on shared goals as part of a team
• the ability to work well as part of a team
• paraplanning: 2 years
• IT proficient
• paraplanning: 1 year
• be self motivated
• the firm have a strong ethos around personal development and is a wonderful place for a paraplanner to cultivate their skills and progress into either an advisory role or specialising more technically
• the business is building an infrastructure to have a 2:1 ratio of back office team to Financial Advisors

Responsibility

• new Business Administration and Processing
• support delivery of the sales process and client review process
• suitability report writing
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• client Servicing
• maintenance of Client Records
• managing and Reporting on New and Existing Business Income
• general administrative support
• managing and Reporting on New and Existing Business
• keeping track of fees and chasing where appropriate
• arranging client meetings for the adviser
• undertaking fund switches and rebalances upon the instruction of the client
• maintaining accurate information on the back office system

Requirements

• the ability to fully plan workload and implement well developed organisational skills
• strong organisational skills
• the ability to multi-task and perform under pressure
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• this role is with a dynamic, growing, IFA firm who put their employees above all
• excellent communication skills
• the ability to communicate effectively with both clients and all internal staff
• initiative
• someone with confidence, drive, and who is an excellent team player would be perfect for this role
• initiative to address issues as and when they arise
• previous experience within financial services
• financial Planning Certificate or recognised equivalent, or commitment to passing said examinations within 18 months of commencement of employment
• competent use of Microsoft products
• related degree and advantage but not a requirement
• previous experience at a wealth management firm or similar is essential
• financial services: 2 years
• financial services: 1 year
• financial services: 4 years
• IFA Support: 1 year
• energy and passion
• friendly and down to earth, the team spirit at this firm is second to none. It offers a warm, supportive, environment for someone to remain in and thrive over the long term
• this is a spectacular opportunity for someone looking to progress their career and become a key member of a dynamic and friendly team
• friendly and down to earth, the team spirit at this firm is second to none. You will play an integral part in the team from day one and work closely with two advisers, helping support them and providing excellent client service
• you will be developed, valued, and listened to as you grow into a senior finance professional, whether that be a paraplanner or financial adviser. This is a company that will invest in you
• the working environment at this firm is second to none. You will have the opportunity to work in a supportive team environment where progression is strongly supported

Responsibility

• A respected Lending operation are keen to appoint an Office based Compliance Manager to the team based in Ipswich
• key Accountabilities and Main Responsibilities
• to ensure compliance with relevant regulatory standards
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• subject matter expert point of contact for General Compliance, AML, CFT and SAR reporting
• review client files in line with company procedures
• training & Development of the Compliance Associates
• owning and completing Compliance Monitoring Programme in line with regulatory requirements
• review and provide feedback to the business on breaches and incidents
• supporting the ongoing monitoring and resolution of AML / CFT related cases
• support the ongoing review and assessment of applicable regulatory and industry developments. Prepare compliance related management information for presentation and dissemination
• stay abreast of compliance developments, horizon scanning, supporting FCA filings and submissions
• communicating with colleagues across the organisation to ensure staff understand their accountability for compliance with all AML policies and procedures
• support the review, maintenance and organisation of related compliance policies
• support the preparation and delivery of scheduled compliance training
• monitor, implement and develop regulatory change and update internal policies and procedures accordingly
• liaising with a variety of stakeholders internally and representing the organisation externally as required
• support other compliance-related projects, as assigned by the Head of Compliance
• escalate & address potential risks identified as part of on-boarding new clients, on-going monitoring, and remediation/KYC refresh of existing clients
• required to comply with the FCA Conduct Rules applicable to all financial services employees
• compliance Monitoring: Perform compliance monitoring reviews, as assigned, in accordance with the annual compliance monitoring programme
• regulatory Change: Manage the review and associated administration of externally issued materials including client presentations, social media postings, commentaries, website content, financial promotions etc
• assist other Technical areas as required
• provide support to the Technical Services Partner as required

Requirements

• working knowledge of the legal and regulatory obligations
• minimum 3 years’ experience in Financial services industry compliance
• excellent communication skills both written and verbal
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• knowledge of regulatory requirements especially, but not limited to, the Financial Conduct Authority or other regulators
• credible stakeholder engagement skills to align with our organisational values and behav iours
• excellent verbal, written, and interpersonal communication skills
• knowledge and experience with SM&CR
• compliance: 3 years
• in addition to a superb rewards package which includes health and wellbeing benefits and strong remuneration, you will be part of a firm with a caring, supportive, culture. This is a firm who want to help you succeed
• the role will require individual accountability and responsibility to manage own workload and be proactive in guiding and mentoring junior members of the team, especially on high light technical areas

Responsibility

• we have an outstanding new role with an very well established wealth manager who need a Diploma qualified Compliance officer
• helping ensure the firm meets its obligations under the FCA requirements on senior management responsibilities/systems and controls
• helping ensure the firm continues to always meet its threshold conditions
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• this role supports the Directors and as Compliance Officer you will identify, assess, and manage regulatory risks, presenting pragmatic solutions that benefit our clients and the business
• helping ensure that the firm’s business complies with the requirements of the Consumer Duty on an ongoing basis
• you will work closely with our Financial Advisers, Research & Planning, and the Client Servicing team to ensure that compliant best practice underpins our business
• helping ensure that good consumer outcomes are being delivered within all areas of responsibility
• helping ensure appropriate ethical standards always exist within the firm
• helping ensure appropriate compliance processes and procedures are in place covering all areas of the firm’s business activities
• helping ensure appropriate advice and sales procedures are in place for all business areas and these are followed
• helping ensure the firm maintains accurate, detailed, and up to date. compliance records across all areas of the firm’s business activities
• helping ensure appropriate advisory procedures are in place and maintained and cover all relevant business areas
• providing required management information for the Board, as required
• helping ensure appropriate systems and controls are in place covering all areas of the firm’s business activities and these are reviewed on a regular basis
• supporting compliance manager with day-to-day compliance activities

Requirements

• proven experience working in a compliance role in an IFA firm
• strong knowledge of relevant regulations and industry standards
• attention to detail and ability to work with complex information
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• strong knowledge and understanding of relevant legislation, regulations, and policies ideally within the mortgage and secured lending sector
• strong communication skills, both written and verbal
• highly detail orientated with the ability to work under pressure and to tight deadlines
• ability to work independently
• excellent administrative and organisational skills
• level 4 qualified
• customer focused, to identify & problem solve for clients
• previous experience in financial services will be highly beneficial
• relevant mortgage or financial services qualification also beneficial