Mortgage Underwriter
Part time - Full time availability
Inclusion IQ is thrilled to be partnering with our client, a leading financial services organisation in Northern Ireland. This reputable, home-grown institution boasts an outstanding legacy of customer service excellence and has been a trusted partner for local people for generations. They are a truly inclusive employer, actively welcoming applications from experienced returners with a background in the financial sector.
Our client champions inclusion and fosters an environment where you feel supported and valued. This is an exceptional opportunity for a skilled Mortgage Underwriting professional to join a forward-thinking and highly successful team.
The Role
As a Mortgage Underwriter, your expertise will be crucial in our client's core lending operations. Your responsibilities will include:
* Efficiently complete and meticulously review mortgage applications, examining all supporting documentation to verify accuracy and ensure completeness.
* Conduct thorough analysis of applicants' credit history and financial information to accurately assess eligibility and affordability.
* Critically analyse the inherent risks within each application, proactively requesting additional information as necessary.
* Vigilantly identify any signs of suspicious or fraudulent activity to protect both the customer and the Society.
* Assess every customer's individual circumstances and the evidence presented, consistently striving for positive and fair customer outcomes.
* Utilise your sharp analytical skills, to make well-reasoned mortgage lending judgements, sanctioning or declining applications.
* Document and effectively communicate the rationale behind all application approvals or rejections to relevant stakeholders.
* Act as a key point of contact for Mortgage Intermediaries, Branches, and internal Society teams, promptly addressing queries regarding the mortgage application process.
* Ensure unwavering compliance with all regulatory standards, internal mortgage policies, procedures, and guidelines, including AML and KYC principles.
* Contribute to the achievement of minimum KPI requirements and targets, playing a vital role in the team's overall success.
The Person
In order to be successful for this position, applicants must demonstrate the following Skills and Experience.
* Minimum 5 GCSES including Math, English
* Minimum 3 years experience working as a mortgage underwriter
* Ability to make decisions regarding finacial applications
* Confident engaging with customers and external clients
* Exceptional attention to detail
* Experience working within a structured fast-paced environment
* Due to the nature of this role it is essential -Successful applicants will be subject to our pre employment checks. These include credit checks, criminal record checks, Access NI basic check
Benefits
* Competitive Salary
* Hybrid Working - 3 days in office upon completion of training
* Annual KPI Bonus Scheme
* Excellent Pension up to 28%
* Life Assurance Scheme
* Group Income Protection
* Health Cash Plan
* Generous Holidays: 25 days, plus up to 12 Bank Holidays
* Day off for your Birthday!
* Holiday Purchase Scheme
* Cycle to Work Scheme
* supportive and collaborative environment environment
* Excellent training and development
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