Mortgage Manager

Oyster; Greater London; On-site; GBP 35,000 - 50,000; Full time

Job summary

Oyster is seeking an experienced Mortgage Case Manager to own a portfolio of live mortgage and finance applications from initial assessment through to completion. You will coordinate with brokers, lenders, underwriters and clients to progress cases efficiently while ensuring compliance and high service standards.

The role focuses on residential lending with potential to support bridging, buy-to-let and specialist lending as the service expands.

Qualifications

• Experience managing mortgage applications end-to-end.
• Strong knowledge of residential lending and underwriting.
• Proven ability to liaise with lenders, brokers and clients.

Responsibilities

• Assess client circumstances and property details to identify borrowing options.
• Submit accurate mortgage applications through lender portals.
• Coordinate with brokers, lenders and underwriters throughout the process.
• Monitor conditions and respond to underwriting queries to progress cases.
• Maintain FCA/compliance records and provide regular updates to stakeholders.
• Manage a high-volume caseload with attention to detail and accuracy.
• Develop and maintain relationships across the lending market.

Skills

Mortgage knowledge

Underwriter liaison

Regulatory compliance

Client communication

Portfolio management

Lender relationships

Time management

Attention to detail

CeMAP (progress towards)

Tools

Mortgage portals

Job description

An established and growing property business is looking for an experienced Mortgage Case Manager to manage mortgage and lending applications from initial assessment through to completion.

The Case Manager will act as a central point of contact between brokers, lenders, underwriters, valuation providers and clients.

The initial focus will be predominantly residential lending, with the opportunity to support bridging, buy-to-let, commercial and more complex finance cases as the service develops.

The role

You will take ownership of a portfolio of live mortgage and finance applications, ensuring that each case progresses accurately and efficiently.

The role will involve assessing borrower circumstances, understanding lender criteria, researching suitable funding options and managing applications through submission, underwriting, formal offer and completion.

This position would suit an experienced Mortgage Case Manager, Mortgage Administrator, Underwriter or lender-side professional with strong technical knowledge and the ability to manage relationships across multiple parties.

Key responsibilities

• Assess client circumstances, income structures and property details to establish suitable borrowing options


• Research the lending market and identify appropriate finance solutions from a broad panel of lenders


• Compare interest rates, loan-to-value options, valuation routes, lender criteria and overall product suitability


• Present brokers with clear lending options and recommendations for each application


• Maintain an up-to-date understanding of lender products, appetite and underwriting requirements


• Prepare and submit accurate mortgage and finance applications through lender portals


• Manage applications from submission through to formal offer and completion


• Liaise directly with lenders, business development managers, underwriters and valuation providers


• Respond to underwriting queries and provide any additional information required to progress applications


• Monitor valuations, documentation, outstanding conditions and lender requirements throughout the case lifecycle


• Identify potential risks or delays at an early stage and recommend practical solutions


• Provide clear and regular progress updates to brokers, clients and internal stakeholders


• Manage a high-volume pipeline of applications at different stages of the lending process


• Maintain accurate and complete case records in accordance with FCA and internal compliance requirements


• Support the delivery of a clear, well-managed and professional experience for clients

Experience and skills required

• Previous experience within a mortgage brokerage, lender, specialist finance provider, underwriting team or mortgage case management function


• Strong working knowledge of residential mortgages, lender criteria and the end-to-end application process


• Experience researching and comparing products across multiple lenders


• Proven experience managing mortgage applications from submission through to offer and completion


• Confidence liaising directly with underwriters and resolving lending queries


• Ability to review financial information and assess borrower and property suitability


• Strong organisation and prioritisation skills, with the ability to manage a substantial active caseload


• Clear written and verbal communication skills


• High attention to detail


• Strong understanding of mortgage regulation and compliance requirements


• Ability to work effectively in a fast-paced environment while managing cases of varying complexity


• CeMAP qualification or progress towards qualification


• Previous lender-side or underwriting experience


• Experience within bridging finance, buy-to-let, commercial mortgages or specialist lending


• Existing relationships across the lending market


• Experience working within a growing or high-volume brokerage environment

Personal attributes

• Proactive and comfortable taking responsibility for case progression


• Commercially aware and solutions-focused


• Confident communicating with lenders, underwriters, brokers and clients


• Highly organised and methodical


• Able to manage competing priorities and changing completion timescales


• Calm and resilient when handling delays or complex lending requirements


• Committed to clear communication and a high standard of client service


• Independent and dependable, with the judgement to escal**ate** issues when necessary


• Measures of success


• Clients are matched with lending options appropriate to their circumstances, property and objectives


• Applications are submitted accurately and progress without avoidable delays


• Lenders and underwriters receive complete and timely information


• Risks and outstanding requirements are identified and addressed early


• A high-volume caseload is managed without compromising accuracy or communication


• Brokers and clients receive consistent and reliable progress updates


• Strong lender relationships contribute to positive client outcomes and the continued development of the finance service

This is an opportunity to join a growing business that provides property-related services across finance, brokerage, development, construction and property management.

The successful candidate will become a key technical member of the finance operation, contribute to the development of internal case management processes and support the continued growth of the lending service.