New Job Opening: Mortgage Underwriter in UK

Job Description

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

To apply, send your CV or contact Jordan Diston at Vivo Talent: 07458 162011 · [email protected]