Job Title: Residential Mortgage Underwriter
Location: Watford
Salary: Confirmed on application
Hours: Monday to Friday 9 am to 5.30 pm
Benefits:
- Competitive pension, life assurance, private medical, dental, and eye care
- 25 days annual leave plus bank/public holidays and annual leave purchase option
- PerkBox rewards, refreshments, and social/team events
- Excellent development and career progression opportunities
About the position of Residential Mortgage Underwriter:
This is a great opportunity for an experienced Residential or Second Charge Mortgage Underwriter to join an intermediary-only specialist lender.
Our client will consider candidates from specialist, prime or high-street lending backgrounds, with both current and previous underwriting experience considered.
You must have strong manual underwriting experience and have held an underwriting mandate/delegated authority. This is an excellent opportunity to bring your existing underwriting experience into a growing specialist lending environment.
Responsibilities for the role of Residential Mortgage Underwriter:
- Underwrite applications in line with company policy, underwriting criteria and risk appetite
- Assess borrower circumstances, affordability, supporting documentation and overall credit risk to make sound lending decisions
- Manage a pipeline of cases from application through to completion
- Provide clear, concise and accurate updates to brokers throughout the underwriting process
- Proactively liaise with brokers to obtain outstanding information and documentation
- Ensure all case information and underwriting decisions are accurately recorded on the relevant systems
- Build and maintain strong relationships with mortgage brokers, solicitors and third-party suppliers
- Work closely with internal teams to ensure cases progress efficiently and within agreed timescales
- Ensure all underwriting decisions comply with FCA regulation, company policy, responsible lending and risk requirements
- Maintain high levels of service while managing a busy caseload and working to deadlines
Experience and skills required for the role of Residential Mortgage Underwriter:
- Proven manual underwriting experience within a mortgage lender, with experience holding an underwriting mandate/delegated authority
- Experience underwriting second charge and/or residential mortgage applications, with strong credit assessment and lending judgement
- Good understanding of FCA regulation, responsible lending and risk requirements, with strong attention to detail and the ability to make sound lending decision
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