Mortgage Underwriter

Role Overview & Purpose
Residential lending business require a Mortgage Underwriter to join an etsablished team on a permanent basis. The business offers a very flexible hybrid policy with only 2 days per month required in the head office located in Lancashire.

Role responsibilities.

• Process mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
• Process mortgage applications and complete all procedural administrative documentation efficiently liaising with the customer during the application process.
• Maintain accurate records and notes throughout all stages of the mortgage application.
• To approve mortgage applications (direct and introduced) within specified limits in accordance with the Lending Policy.
• To consider mortgage applications outside standard lending policy where a justifiable business reason exist.
• To present out of criteria cases to Credit Risk Committee with appropriate recommendations and rationale.
• To maintain professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.
• Maintain knowledge and comply with all legal responsibilities and codes of conduct to which the Society must comply with i.e. Vulnerable Customers, AML, MCOB, DPA, FCA etc.
• To meet all requirements of the Training & Competence scheme.
• To deal with customer dissatisfaction and complaints as required.

Personal Attributes & Experience

• Experience within residential lending
• Extensive knowledge across mortgage underwriting

Applicants must be located and eligible to work in the UK without sponsorship.

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