Mortgage Underwriter

Job Description

Join us as a Mortgage Underwriter In this rewarding role, you ll make mortgage lending decisions that help our customers achieve their home-owning ambitions You ll make sure that our lending decisions are made in accordance with current risk appetite, process, and procedures You ll support and guide colleagues on all matters relating to mortgage underwriting and completion Were offering this role at senior analyst level What youll do At the heart of this role is the responsibility of making loan eligibility decisions and approving or rejecting applications in accordance with our lending and credit policy. You ll need to be comfortable with managing high volumes of applications and working to service-level agreements, to make sure we re providing an efficient and effective service. And you ll have a keen an eye for detail to analyse credit documents such as credit history and income documents, property valuation, and all necessary compliance documents to assess the application. We ll also need you to: Make sure we re compliant with Mortgage Conduct of Business standards, and our credit policy Collect and record customer information in a timely manner to ensure efficient processing of applications Identify risk factors, including fraud red flags to determine or verify misrepresentation Actively participate in initiatives to improve customer service, processes, and procedures Use your knowledge and experience where the mortgage application requires a more bespoke and considered approach to achieve the right outcome for customers and the bank The skills youll need With experience in UK residential mortgages and thorough knowledge of the end-to-end mortgage lifecycle, you ll be well organised and able to prioritise. You ll need to be highly productive while maintaining a quality service and be able and willing to contribute to system improvements, along with process and development changes. Additionally, you ll need: Excellent data analysis skills to make sure we lend responsibly and within risk appetite A high mathematical aptitude, plus good verbal and written communication skills Proficiency in Microsoft Office and automated underwriting systems