Mortgage Underwriter

Metro Bank; London; On-site; GBP 100,000 - 125,000; Full time

Job summary

A UK banking institution in London is seeking a skilled mortgage underwriter. You will provide Mortgage Lending Decisions for both Residential and Buy to Let mortgages while managing a pipeline of applications. Candidates should have significant knowledge of mortgage lending, excellent communication skills, and ideally hold a CeMAP qualification. This role offers a competitive salary and benefits, alongside flexible hybrid working arrangements.

Benefits

Competitive salary

Discretionary annual bonus

Generous holiday allowance

Pension scheme

Healthcare

Life assurance

Colleague discounts

Training and internal career progression opportunities

Qualifications

• Significant knowledge of mortgage lending and industry trends is essential.
• In-depth knowledge of legal requirements in mortgage underwriting is required.
• Ability to engage with Business Development Managers confidently.

Responsibilities

• Provide Mortgage Lending Decisions for Residential and Buy to Let mortgages.
• Manage the pipeline of mortgage applications with clear communication.
• Ensure compliance with Metro Bank Mortgage processes.

Skills

Knowledge of Residential and Buy to Let mortgage lending

Excellent communication skills

Understanding of mortgage intermediary market

Attention to detail

Proactive initiative

Education

CeMAP qualification

Job description

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Role Responsibilities:

1. Provide Mortgage Lending Decisions for both Residential and Buy to Let mortgages in a timely fashion, avoiding unnecessary documentary requirements, utilising automated valuations, and demonstrating effective pipeline management without compromising consistent and fair customer outcomes.
2. Manage own pipeline of mortgage applications, ensuring that all notes are clear and concise, and communicate effectively with intermediaries regarding application progress.
3. Avoid operational losses by showing strong attention to detail and adhering to Metro Bank Mortgage processes.
4. Demonstrate a full understanding of responsible lending and regulatory requirements relevant to the role. Prioritise effectively to manage multiple underwriting functions.
5. Strive to provide the best customer journey on all mortgage applications, aiming to be a leading player in the specialist mortgage arena through excellent service.
6. Support colleagues within the wider Mortgage teams where help or guidance is needed.
7. Support frontline sales teams in maintaining excellent relationships with intermediaries.
8. Uphold the company's Code of Business Ethics and fulfill responsibilities related to the prevention of financial crime, including money laundering and fraud detection/reporting.

What you will need:

1. Significant knowledge of Residential and Buy to Let mortgage lending, with a keen understanding of current industry trends and regulations.
2. In-depth knowledge of the mortgage intermediary market and understanding of legal requirements surrounding mortgage underwriting.
3. Excellent communication skills and confidence to engage effectively with Business Development Managers and other Mortgage colleagues.
4. Awareness of organised fraud and the systems and controls in place to mitigate such risks.
5. Proactive use of initiative to exceed minimum requirements in tasks.
6. CeMAP qualification is preferable.

Our promise to you:

• We believe in promoting from within and growing our own talent. We are looking for YOU! An AMAZING colleague for this exciting new role!
• Competitive salary, discretionary annual bonus, and a wide range of benefits including generous holiday allowance, pension scheme, healthcare, life assurance, and colleague discounts.
• Training and internal career progression opportunities, with around 40% of promotions coming from within.
• Flexible hybrid working arrangements to support work-life balance.

Note: This job posting is active and not expired.