Senior Mortgage Underwriter

Job Title: Senior Mortgage Underwriter

Location: Surrey

Salary: £45,000 to £65,000 depending on experience

Hours: Monday to Friday 9 am to 5.30 pm

Benefits:

• Company pension (up to 5%)
• Private Medical Cover
• Income Protection
• Death in Service/Life Cover
• Cycle to work scheme
• Holiday Purchase/Sale
• Employee Referral Scheme
• Tuition Reimbursement

About the position of Senior Mortgage Underwriter:

We are working with a fast-growing, specialist lender based in Woking, Surrey, to find an experienced BTL Mortgage Underwriter. This is an exciting opportunity to play a key role in launching a new Buy-to-Let mortgage offering while also contributing to the established second charge lending team as a mandated underwriter.

The role offers more than just day-to-day underwriting, you'll be involved in shaping key elements of the BTL proposition, including designing underwriting manuals, screen layouts, and post-offer processes.

This company offers a dynamic and inclusive workplace with strong values around learning, collaboration, and professional development. Just a short walk from Woking town centre, it's a great place to build a rewarding and varied career in financial services.

Responsibilities for the role of Senior Mortgage Underwriter:

• Contribute to the development of the BTL business by using your experience to articulate requirements and develop solutions
• Support the creation of underwriting and training manuals for the BTL business
• Underwrite 2nd charge mortgage applications, making decisions in line with mandate levels whilst ensuring exceptional customer service is delivered.
• When the business is ready, move across to underwriting complex BTL mortgage applications.
• Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company's policies and procedures
• Ensure the accuracy of customer and loan related data that is captured within the underwriting forms, documents and internal systems.
• Establish and maintain effective working relationships with 3rd party business partners.
• Manage a pipeline in line with the business priorities while achieving agreed production and quality targets, and annual objectives.
• Develop and maintain knowledge of our mortgage products and our bespoke underwriting approach, aligned to the risk appetite, products, and criteria
• Ensure that all mandatory training is undertaken.

Experience and skills required for the role of Senior Mortgage Underwriter:

• Extensive experience of specialist mortgage underwriting, the mortgage intermediary market, its products, marketing approach and processes.
• Held a specialist BTL lending mandate for a minimum of 2 years (£500k+ mandate desirable).
• Strong team player who is committed, conscientious and hardworking.
• A detailed understanding of complex BTL lending types, such as: Portfolio Buy to Let, SPV's, New Build, Contractors, Ex-Pats, Self-Employed, Credit Repair, HMOs and MUBs.
  Strong attention to detail.
• Proactive, hardworking and flexible attitude to work and be team player
• Confident and clear communicator.
• Open, honest, reliable and with work with integrity.
• Must pay due regard to the interests of customers and treat them fairly.
• Proficient in MS Office, credit risk decision systems

For more information regarding the role of Senior Mortgage Underwriter please get in touch with us.

Stellar Select is acting as an employment agency and is a corporate member of the REC.

Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.