Mortgage Underwriter

Bradley David Associates; City Of London; Hybrid; GBP 28,000 - 47,000; Full time

Benefits offered by this job

Bonuses

Pension

Benefits

Job summary

Bradley David Associates is seeking an experienced Mortgage Underwriter for a leading financial services client in City of London. You will assess mortgage applications in line with lending policy and FCA requirements, and own cases through underwriting to deliver accurate decisions and a positive customer experience.

The ideal candidate has at least 1 year's underwriting experience, with equity release or buy-to-let exposure, and strong communication skills.

Qualifications

• At least 1 year's mortgage underwriting experience.
• Experience in Equity Release beneficial; Buy-to-Let or mainstream residential underwriting considered.
• 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.
• Proactive, positive and solutions-focused approach.
• Ability to manage a busy caseload in a fast-paced environment.

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 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 FCA regulations.
• Support colleagues by sharing knowledge and contributing to process improvements and customer service.

Skills

Mortgage underwriting

Attention to detail

Communication skills

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
• 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.