Mortgage Underwriter

benefits, bonus | Staines, Surrey

Job Title: Mortgage Underwriter

Location: Staines, Surrey or Home Based

Salary: Competitive package

Benefits:

  • Annual Bonus Scheme (can be up to 20% of your salary)
  • 25 Days holiday (increasing each year up to 28 days)
  • Private Healthcare
  • Pension Scheme
  • Child Care Vouchers
  • Free Car Parking

About the role

We have a superb opportunity for a Mortgage Underwriter to be based in Staines. You will provide an effective and efficient mortgage underwriting service through the underwriting of mortgage applications within lending policy and approved lending mandate through to mortgage offer.

Responsibilities and Experience required for the role of Mortgage Underwriter

  • Underwrite mortgage applications ensuring you deliver exceptional customer service, whilst complying with all regulatory and conduct risk in adherence to lending policy
  • Maintain an up to date working knowledge of products and policies, and assist in implementing changes in line with risk appetite
  • Maintain skills and knowledge of Regulations and Legislation responsibilities
  • Support continued improvement of the originations system, processes and procedures
  • Consider mortgage applications outside standard lending policy where a justifiable business reason exists
  • Deliver operational effectiveness within the business area, achieving targets and objectives set by the business
  • Interaction with both internal and external customers on mortgage lending decisions.
  • Ensure responsibilities regarding Treating Customers Fairly, the Prevention of Financial Crime (including AML, identification and reporting of fraud) and responsible lending are carried out effectively and in accordance with the Company’s policies
  • Grow knowledge of mortgage product and bespoke underwriting capability with an emphasis on understanding all products and criteria
  • Ability to manage and organise own caseload in line with the priorities of the business
  • Build successful relationships across the business especially within the Credit and Sales functions
  • On occasion, be a representative of the business at third party locations
  • Extensive experience of mortgage underwriting, the mortgage intermediary market, its products, marketing approach and processes
  • Manual residential or buy to let mortgage underwriting experience and hold a lending mandate recently
  • Regulation / Legislation Awareness – Knowledge of the Regulated Financial Services environment
  • Demonstrable understanding of TCF, responsible lending and regulatory knowledge
  • CeMap qualified or industry equivalent – desirable but not essential
  • Able to demonstrate a proactive, hardworking, flexible and able to work under own initiative but also a team player
  • Proficient in MS Office, credit risk decision systems
  • Knowledge of the Scottish lending market

For more information regarding the role of Mortgage Underwriter contact us

Stellar Select is acting as an employment agency and is a corporate member of the REC

Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days

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