Are you an experienced Mortgage Underwriter looking to join a forward-thinking organisation where your expertise truly makes a difference? Our client is looking for a dynamic, detail-driven professional to deliver exceptional underwriting decisions while putting customers at the heart of everything you do.
Job Overview
Purpose of the Role
To consistently provide an effective and efficient mortgage underwriting service from application to completion. You will underwrite mortgage applications within lending policy and your approved mandate, delivering exceptional professional service to all parties involved in the mortgage origination process - always putting the customer first and adhering to Consumer Duty requirements.
Key Accountabilities
Maintain the quality of the overall mortgage book by exercising your underwriting mandate with strong credit assessment skills
Ensure all applications are underwritten in line with internal policies, procedures, criteria, and regulatory guidelines
Provide well-reasoned recommendations for cases outside of mandate, with robust documented rationale
Build and maintain strong relationships with internal teams and external partners including packagers, brokers and solicitors
Meet key performance indicators and agreed service levels
Demonstrate proactive communication and strong organisational skills to achieve stretching targets
Maintain up-to-date knowledge of market, financial, and regulatory requirements
Take ownership of personal development and continuous learning
Handle telephone calls confidently, including B2B communication
Assess Decision in Principle (DIP) and full mortgage applications through all key stages
Support the Manager with additional tasks and activities as required
About You
You’re a confident and experienced underwriter who thrives in a fast-paced environment and enjoys making sound, evidence-based lending decisions.
Essential Experience & Skills
Held an underwriting mandate within a commercial or mortgage environment
Experience in specialist lending, including complex structures and specialist property types such as HMO, MUBs, STLs, and Limited Company borrowing
Strong understanding of all stages of the mortgage application process
Knowledge of the regulatory landscape including DPA, Money Laundering, TCF, MCOB, Fraud awareness and Consumer Duty
Excellent decision-making and organisational skills
Ability to work to strict deadlines while maintaining productivity and accuracy
Adaptable, flexible and customer-focused
Strong team player with a positive, approachable attitude
Confident communicator who remains calm under pressure
PC literate with Microsoft Office and Outlook
Desirable
CeMAP qualified (or willing to study towards qualification)
Experience within Financial Services and awareness of Consumer Duty (CD), Treating Customers Fairly (TCF) and ESG frameworks
Please note:
As you can appreciate we are currently overwhelmed with applications of individuals looking for both short term and permanent work and we can therefore only contact those applications that have relevant skills for positions that we currently have available. Should you not hear from us within a week, please assume you have been unsuccessful on this occasion.
In line with GDPR regulations, we are making you aware that to proceed with your application we will need to contact you via email, telephone and/or text message. To receive future job alerts from us, you will be required to provide consent within our marketing preference options. The link will be provided in an email to you. Source4 are an equal opportunities employer and complies with all relevant UK legislation. If you are successful in your application, you will be required to attend a full registration with one of our Consultants which will involve you providing a current passport, any relevant visas, a proof of address and completing relevant tests and a full competency based interview