441 Residential jobs in London

Job Description
The Citi Wealth Residential Real Estate Mortgage Underwriter will serve as a primary contact for the mortgage throughout the process, from initiation of inquiry to closing, always maintaining proactive communication with the Banker/Lending Advisor.
+ Working within the Wealth Lending Advisor team to structure and underwrite residential mortgage loans in accordance with established Product Programs.
+ This is a demanding role in which individual judgment is needed to assess the risk reward dynamics of the extension of credit. It requires the ability to work closely with Bankers/Lending Advisors and clients to meet both marketing and risk management goals.
+ Includes preparation, maintenance and communication of pipeline.
+ Primary point of contact for obtaining credit documents and clearing underwriting conditions.
+ Provide regular input to the Bankers, Associate Bankers and management in terms of MIS, competitive feedback, key client status reports, promotional opportunities, etc.
+ Being responsible for all activities from applications through underwriting submission.
+ Assisting with residential real estate portfolio management audits, reviews, and performance reporting
+ Assisting with residential real estate projects, across portfolio and technical developments.
+ Ability to obtain relevant information from all parties in the lending cycle.
+ Functioning as part of a deal team that requires effective participation and contribution. The position requires the individual to independently exert leadership and effectively orchestrate the assigned portion of the mortgage process.
+ Excellent understanding of all aspects of loan programs and internal and external guidelines/regulations.
+ Working knowledge ability to understand and interpret complex financials for credit assessment.
+ Understanding of complex mortgage structuring
+ Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ CeMAP qualified ( or equivalent)
+ Strong Mortgage Regulatory knowledge and experience in the UK (and EU is preferable)
+ Strong and proven analytical, financial structuring and execution skills
+ Experience with regulatory internal and external audits beneficial
+ Bachelor's/University degree or equivalent experience
**Competencies:**
+ Excellent communication (verbal and written) and interpersonal skills including the ability to explain financial structures
+ Ability to work under pressure and multi-task to tight deadlines
+ Good negotiation skills
+ Strong initiative and interactive approach to problem solving
+ Display flexibility and independence in a demanding environment
+ Team player
Candidates applying for this role must be aware that it is a Certified Role, subject to the Certification Regime. The Certification Regime is one element of the Individual Accountability Regime which has come into effect on 7 March 2016. Under the Certification Regime, certain Citi entities must ensure that employees working in certain roles categorised as specified significant harm functions (Certified Roles) are assessed as fit and proper to carry out their role.
Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety:
Honesty, integrity and reputation
Financial soundness
Competence and capability
In order to comply with the requirements of the Certification Regime, certain Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above. This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, reference checks, credit checks and other background checks. If hired for this role, you will also be required to complete an annual declaration regarding your Fitness and Propriety.
By submitting your application, you acknowledge that you have read the information above and that you are applying for a Certified Role. You also agree to Citi carrying out any additional screening required, including permitted criminal record checks, reference checks, credit checks and any other background checks.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
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**Time Type:**
Full time
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**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
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_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.