Mortgage Underwriter

Mortgage Underwriter
Job Type: Full-time, Permanent
Salary: £28,000 - £45,000 per year
Location: Office-based, Woking, Surrey

About the Role

We’re looking for an experienced Underwriter to join a fast-growing, specialist lending business based in the heart of Woking. Just a short walk from the town centre, this organisation offers a dynamic and inclusive workplace where employees are supported in their development and rewarded for their contributions.

This is an exciting opportunity for someone who thrives in a high-growth environment and is passionate about delivering exceptional service in line with responsible lending principles.

Key Responsibilities

Assess packaged applications and Decision in Principle enquiries in line with lending policies and FCA regulations.

Review lending files throughout the underwriting process, ensuring accuracy and compliance with internal policies.

Maintain accurate customer and loan data across systems and documentation.

Build strong working relationships with key third-party partners including intermediaries, solicitors, and valuation panel managers.

Meet performance KPIs and maintain underwriting mandate levels.

Provide support to senior team members and contribute to ongoing policy and procedural improvements.

Approve cases within your delegated mandate authority.

Stay informed on market trends and regulatory developments in the second-charge lending sector.

Complete all three levels of the CeMAP programme as part of regulatory training.

Offer suitable mortgage advice for direct customer applications where appropriate.

Personal Attributes

Detail-oriented with a strong commitment to accuracy.

Team player with a positive, solutions-focused attitude.

Excellent verbal and written communication skills.

Honest, reliable, and demonstrates integrity.

Dedicated to fair customer treatment and delivering high standards of service.

What’s on Offer

Company pension

Private medical cover

Income protection

Life cover (Death in Service)

Cycle to work scheme

Holiday purchase/sale scheme

Tuition reimbursement

Employee referral programme

Free on-site parking