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Hi there
I appreciate you taking the time to reply. I am really sorry to hear how we've disappointed you in recent years. That isn't good to read at all.
I utterly agree with you at more underwriters should be picking up the phone and having a chat on cases to get them agreed asap without back and forth. Its something I've raised since joining and happily its going to happen! A phone system is being put in place and our UW teams will be directed to use it - which will for sure make a huge difference to efficiency and experience for our brokers.
Incidentally, a lender I always thought highly of from an underwriting perspective were Accord with the UW calling and often agreeing the case over the phone - our new Head of Mortgages has come from Accord! One of his priorities for us is that our UW is more consistent and efficient so I feel we are all singing from the same hymn sheet here happily.
In terms of the lack of experience (and being able to add up!) - again I'm saddened to hear that's been your experience and I will speak to our Head of UW with your feedback. We know we haven't got everything right and the bad cases stick in your mind much easier than the pain free ones - but we will keep trying and not resting on our laurels in this regard.
I'd be really happy to chat in person or on the phone if you would like to at any point.
AJ