Senior Mortgage Underwriter

Senior Mortgage Underwriter

Central Belt, Scotland

£dependent on experience, up to £45k

Are you an experienced manual mortgage underwriter who thrives on providing excellent customer service, and underwriting a variety of residential and B2L loans? Our client has an exciting opportunity to join their team as a Senior Mortgage Underwriter; here you will be working in a close knit team of 6 and reporting to the Mortgage Underwriting Manager, being responsible for assessing complex residential mortgage applications up to £1m.

They are an established and highly customer focussed business with many awards to their name. This is a new role as they continue to expand and grow their lending offerings to their customers. You will be expected to be in their office (Central Belt) at least once a week (likely more the first few weeks) but thereafter flexibility to WFH.

Duties will include:

• Assess mortgage applications in line with lending policy and regulatory standards (MCOB)
• Perform detailed affordability assessments, including non-standard income and complex applicant profiles
• Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring
• Provide technical guidance to junior underwriters and administrative assistants
• Contribute towards underwriting policy reviews and process improvements
• Liaise with intermediaries and internal stakeholders to progress applications efficiently

The successful candidate will possess:

• At least 3 years’ previous manual mortgage underwriting experience in residential and / or B2L lending
• Previously held a mandate
• Have a customer focus, be able to work within a relatively small team and contribute to the wider business, supporting more junior colleagues in particular

Along with a competitive salary, additional benefits include: bonus scheme, very generous pension scheme and BUPA health care. If you are an experienced mortgage underwriter who can commute to the Central Belt area once a week and looking to work in a customer focussed lender, please apply now.