Job Title: Mortgage Underwriter
Location: Manchester (Hybrid - 2 days per week in the office)
Salary: Up to £35,000 per annum (negotiable based on experience)
Hours: Full-time, Monday - Friday, 9am - 5pm
Holiday: 30 days annual leave + bank holidays
Are you an experienced Mortgage Underwriter looking for your next challenge?
Join our dynamic team and play a key role in reviewing and managing mortgage applications from start to finish. We're looking for a detail-oriented, proactive individual to work within our lending policies, ensuring responsible lending practices and exceptional customer service.
About the Role:
As a Mortgage Underwriter, you will assess mortgage applications of up to £800k, reviewing all documentation in line with company criteria. Your expertise will be crucial in determining the risk for each applicant and structuring lending rationales that ensure both the bank and customers are protected. You will also work closely with credit agencies, fraud prevention teams, and third-party scheme requirements to complete each application with precision.
Key Responsibilities:
* Review and assess mortgage applications up to £800k, ensuring compliance with company and lending policies.
* Assess affordability, risk factors, and structure lending decisions for each case.
* Use specialist data and tools to assess risk and support lending decisions.
* Underwrite both residential and buy-to-let applications, including government schemes and high LTV products.
* Provide expert guidance to intermediaries and direct customers, ensuring high-quality service and responsible lending.
Required Experience:
* Recent experience as a mortgage underwriter with lending authority.
* Strong knowledge of the mortgage market, including residential and buy-to-let sectors.
* Experience working with both intermediaries and direct customers.
* A proactive and customer-focused approach to underwriting.
What We Offer:
* Competitive salary up to £35,000 (dependent on experience).
* 30 days annual leave plus bank holidays.
* A comprehensive benefits package including private medical insurance, discretionary bonus, cycle-to-work scheme, and retail discounts.
* Flexible working options, with 2 days in the office per week.
* Engaging company events and a friendly, collaborative working environment.
* A supportive culture with a focus on continuous improvement and career development.
If you're ready to make a difference and thrive in a fast-paced, rewarding environment, we'd love to hear from you!
Brook Street NMR is acting as an Employment Agency in relation to this vacancy.
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