Mortgage Underwriter

Mortgage Underwriter – Stafford £40,000 Permanent, full time

A long-established, member-owned building society is looking for a Mortgage Underwriter to assess residential lending cases with care and good judgement. You’ll work in a small, close-knit mortgage team alongside processors and the wider lending function, owning cases from application through to offer and helping keep service levels high for members and brokers.

What you’ll do

• Underwrite residential mortgage applications in line with lending policy and your mandate
• Assess affordability, credit history, income and property risk, making clear, well-reasoned decisions
• Review valuation reports and work with valuers, brokers and solicitors to resolve queries
• Handle more complex cases, including self-employed, interest-only, buy-to-let and later-life lending
• Make sure decisions meet regulatory requirements, including Consumer Duty, responsible lending and fraud prevention
• Support quality checks and feed into improvements to policy and process
• Mentor and support colleagues across the mortgage team

What you’ll bring

• Experience underwriting residential mortgages, ideally at a building society or smaller lender
• Sound knowledge of mortgage regulation and responsible lending
• Strong analytical skills and attention to detail
• Confidence talking to brokers, solicitors and valuers
• A practical, member-focused approach to decision-making
• CeMAP or equivalent is desirable

Why apply

• A key role in a lender that still underwrites with a personal touch
• Real input into lending decisions and policy
• A supportive team where your experience is valued

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