Mortgage Underwriter

Vivo Talent; Stafford; On-site; GBP 36,000 - 48,000; Full time

Job summary

Vivo Talent seeks a Mortgage Underwriter in Stafford to assess residential lending cases with care. You’ll own cases from application to offer within a tight, member-focused team and help maintain high service levels for members and brokers.

You’ll underwrite to lending policy, review affordability and credit history, and collaborate with valuers, solicitors and brokers to resolve queries. Regulatory compliance and quality checks are essential.

Qualifications

• Experience underwriting residential mortgages, ideally at a building society or smaller lender.
• Sound knowledge of mortgage regulation and responsible lending.
• Strong analytical skills and attention to detail.
• Confidence talking to brokers, solicitors and valuers.
• A practical, member-focused approach to decision-making.
• CeMAP or equivalent is desirable.

Responsibilities

• Underwrite residential mortgage applications in line with lending policy and your mandate.
• Assess affordability, credit history, income and property risk, making clear, well-reasoned decisions.
• Review valuation reports and work with valuers, brokers and solicitors to resolve queries.
• Handle more complex cases, including self-employed, interest-only, buy-to-let and later-life lending.
• Make sure decisions meet regulatory requirements, including Consumer Duty, responsible lending and fraud prevention.
• Support quality checks and feed into improvements to policy and process.
• Mentor and support colleagues across the mortgage team.

Skills

Mortgage underwriting

Mortgage regulation

Analytical skills

Communication with brokers

Decision making

CeMAP desirable

Job description

Mortgage Underwriter - Stafford £40,000 Permanent, full time

A long-established, member-owned building society is looking for a Mortgage Underwriter to assess residential lending cases with care and good judgement. You'll work in a small, close-knit mortgage team alongside processors and the wider lending function, owning cases from application through to offer and helping keep service levels high for members and brokers.

What you'll do

• Underwrite residential mortgage applications in line with lending policy and your mandate
• Assess affordability, credit history, income and property risk, making clear, well-reasoned decisions
• Review valuation reports and work with valuers, brokers and solicitors to resolve queries
• Handle more complex cases, including self-employed, interest-only, buy-to-let and later-life lending
• Make sure decisions meet regulatory requirements, including Consumer Duty, responsible lending and fraud prevention
• Support quality checks and feed into improvements to policy and process
• Mentor and support colleagues across the mortgage team

What you'll bring

• Experience underwriting residential mortgages, ideally at a building society or smaller lender
• Sound knowledge of mortgage regulation and responsible lending
• Strong analytical skills and attention to detail
• Confidence talking to brokers, solicitors and valuers
• A practical, member-focused approach to decision-making
• CeMAP or equivalent is desirable

Why apply

• A key role in a lender that still underwrites with a personal touch
• Real input into lending decisions and policy
• A supportive team where your experience is valued