Mortgage Underwriter

About This Role

This role involves assessing mortgage applications in line with lending policy and regulatory requirements. You will take ownership of cases throughout the underwriting process, ensuring accurate and well-documented decisions that provide a positive experience for customers and advisers. The position suits an experienced mortgage underwriter looking to develop their career within a professional and supportive environment.

Responsibilities

• Assess and underwrite mortgage applications in accordance with lending policy, procedures, and FCA requirements
• Take ownership of cases throughout the underwriting process, ensuring applications are progressed accurately and within agreed timescales
• Review supporting documentation and make appropriate lending decisions based on risk, affordability, and policy
• Maintain accurate records and ensure all decisions and communications are fully documented
• Handle telephone and email enquiries from mortgage advisers, brokers, and internal teams
• Build and maintain strong working relationships with advisers and other areas of the business
• Investigate and resolve queries or complaints in accordance with internal and regulatory procedures
• Maintain up-to-date knowledge of mortgage products, lending criteria, and relevant FCA regulations
• Support colleagues by sharing knowledge and contributing to the continuous improvement of underwriting processes and customer service

Requirements

• At least 1 year's mortgage underwriting experience
• Experience within Equity Release, Buy-to-Let, or mainstream residential mortgage underwriting backgrounds
• Previous mortgage administration or underwriting experience within a bank, building society, or mortgage lender
• Good working knowledge of FCA regulations relating to residential mortgages
• Strong attention to detail and a high level of accuracy
• Excellent written and verbal communication skills
• A proactive, positive, and solutions-focused approach
• The ability to manage a busy caseload and work effectively in a fast-paced environment
• Good working knowledge of Microsoft Office

Benefits

• Strong bonuses, pension, perks, and benefits
• Additional leave
• Casual dress
• Company pension
• Cycle to work scheme
• Discounted or free food
• Employee discount
• Health & wellbeing programme
• Life insurance
• On-site gym
• Private dental insurance
• Private medical insurance
• Work from home

Important Details