Overview
Join to apply for the Mortgage Underwriter role at Page99Test.com
This role provides an efficient and professional mortgage underwriting service to the Society's members, customers and intermediaries through compliant regulated meetings.
Responsibilities
* Process mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
* Process mortgage applications on the Society software system 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.
* Approve mortgage applications (direct and introduced) within specified limits in accordance with Society Lending Policy.
* Consider mortgage applications outside standard lending policy where a justifiable business reason exists.
* Present out-of-criteria cases to Credit Risk Committee with appropriate recommendations and rationale.
* 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 (e.g., Vulnerable Customers, AML, MCOB, DPA, FCA).
* Meet all requirements of the Training & Competence scheme.
* Deal with customer dissatisfaction and complaints as required.
* Identify opportunities for continuous improvement of products, policy, processes and procedures.
* Capture all risk events and near misses on the events log within 48 hours of identification.
* Carry out such other duties, which are consistent with the nature, responsibilities and expectations of the position.
Qualifications and requirements
* Fully experienced in manual underwriting and self-build.
* Understand and comply with relevant regulatory and industry standards (e.g., AML, MCOB, DPA, FCA).
* Commitment to the Training & Competence scheme.
* Ability to handle customer dissatisfaction and complaints as required.
Company values and inclusivity
In addition to a competitive salary and benefits package (dependent on relevant experience), you will be working as part of a team where teamwork, respect and integrity are our core values.
Diversity and inclusion are important to us as we strive to represent the communities we serve. We support an inclusive environment for all our people to bring their whole selves to our Society. We encourage applications from individuals of all backgrounds, ethnicity, gender identity, sexual orientation, disability, neurodiversity, age, family or parental status, beliefs, nationalities and religions. If you have a disability, or if you have a condition that you believe may affect your performance during our selection process, please request any reasonable adjustments you’d like on your application form.
Role details
* Seniority level: Entry level
* Employment type: Full-time
* Job function: Finance and Sales
* Industries: Banking
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