Mortgage Underwriter

Bradley David Associates Limited; City Of London; Hybrid; GBP 42,000 - 51,000; Full time

Benefits offered by this job

Bonuses

Pension

Benefits package

Job summary

Bradley David Associates Limited in City of London is recruiting an experienced Mortgage Underwriter for a hybrid role. You will assess mortgage applications, ensure decisions comply with lending policy, FCA requirements, and service standards while owning cases through underwriting.

Prior experience in banks, building societies or mortgage lenders is preferred, including Equity Release exposure. The position offers hybrid working from City of London with two in-office days per week and a

Qualifications

• Minimum 1 year mortgage underwriting experience.
• Experience with Equity Release is beneficial.
• Experience within a bank, building society or mortgage lender.

Responsibilities

• Assess and underwrite mortgage applications in line with lending policy and FCA requirements.
• Take ownership of cases throughout underwriting and ensure timely progress.
• Review supporting documentation and make lending decisions based on risk and policy.
• Maintain accurate records and documentation of decisions and communications.
• Handle telephone and email enquiries from advisers, brokers and internal teams.
• Support continuous improvement of underwriting processes and customer service.

Skills

Mortgage underwriting

Equity Release

Buy-to-Let

FCA regulations

Microsoft Office

Attention to detail

Communication skills

Time management

Tools

Microsoft Office

Job description

Bradley David Associates is working with a leading financial services business on the search for a experienced Mortgage Underwriter.

• City of London
• Hybrid Monday to Friday 9am-5pm
• 2 office days
• up to £46,500 DOE
• Strong bonuses, pension, perks and benefits

About the Role

This role will involve assessing mortgage applications in line with lending policy, regulatory requirements and agreed service standards. You will take ownership of cases throughout the underwriting process, ensuring decisions are accurate, well documented and provide a positive experience for customers and advisers.

The successful candidate will have previous mortgage underwriting experience gained within a bank, building society or specialist mortgage lender.

Key Responsibilities

• Assess and underwrite mortgage applications in accordance with lending policy, procedures and FCA requirements.
• Take ownership of cases throughout the underwriting process, ensuring applications are progressed accurately and within agreed timescales.
• Review supporting documentation and make appropriate lending decisions based on risk, affordability and policy.
• Maintain accurate records and ensure all decisions and communications are fully documented.
• Handle telephone and email enquiries from mortgage advisers, brokers and internal teams.
• Build and maintain strong working relationships with advisers and other areas of the business.
• Investigate and resolve queries or complaints in accordance with internal and regulatory procedures.
• Maintain up-to-date knowledge of mortgage products, lending criteria and relevant FCA regulations.
• Support colleagues by sharing knowledge and contributing to the continuous improvement of underwriting processes and customer service.

About You

You will ideally have:

• At least 1 year's mortgage underwriting experience.
• Experience within Equity Release would be particularly beneficial, although candidates from Buy-to-Let or mainstream residential mortgage underwriting backgrounds will also be considered.
• Previous mortgage administration or underwriting experience within a bank, building society or mortgage lender.
• Good working knowledge of FCA regulations relating to residential mortgages.
• Strong attention to detail and a high level of accuracy.
• Excellent written and verbal communication skills.
• A proactive, positive and solutions-focused approach.
• The ability to manage a busy caseload and work effectively in a fast-paced environment.
• Good working knowledge of Microsoft Office.

This is an excellent opportunity for an experienced Mortgage Underwriter looking to join an established financial services organisation and develop their career within a professional and supportive environment.