Mortgage Underwriter (Cardiff Office)

Fleet Mortgages; Cardiff; Hybrid; GBP 30,000 - 50,000; Full time

Job summary

An established industry player is seeking a Mortgage Underwriter to join its dynamic team in Cardiff. This role offers a unique opportunity to work closely with brokers, ensuring that mortgage applications meet compliance and lending suitability criteria. With a focus on detail and excellent communication skills, you will play a crucial role in delivering a trusted service. The company offers a hybrid working arrangement, allowing for flexibility after the probation period, along with a competitive benefits package including a non-contributory pension scheme and private medical insurance. If you're ready to make an impact in the mortgage sector, this could be the perfect fit for you.

Benefits

11% Non-Contributory Pension Scheme

25 Days Annual Leave

Private Medical Insurance

Annual Discretionary Bonus

Free Annual Flu Jabs

Enhanced Company Sick Pay

Income Protection Scheme

Enhanced Maternity and Paternity Leave

Paid Volunteer Days

Retailer Discount and Cashback Platform

Qualifications

• Experience as a manual mortgage underwriter is essential.
• Strong decision-making and communication skills are required.

Responsibilities

• Liaise with brokers to progress mortgage applications from receipt to offer.
• Check documentation for adherence to policies and criteria.

Skills

Decision-Making Skills

Communication Skills

Attention to Detail

Commercial Judgment

Education

CeMAP Qualification

Job description

Job Title: Mortgage Underwriter

Location: Cardiff

Hours: Monday to Friday, 9:00am - 5:00pm

Work Arrangement: Hybrid working (3 days in the office, 2 days at home) after successful completion of probation.

Contract Type: Permanent

About Fleet Mortgages

We are Fleet Mortgages, a people-focused business specialising in buy-to-let lending. Since 2014, we have been providing a fair and trusted service, and we were acquired by Starling Bank in 2021.

Role Overview

We are seeking a Mortgage Underwriter to join our Underwriting Team in Cardiff. This role involves liaising with brokers to progress mortgage applications from receipt to offer. You will assess borrower and property information to ensure compliance with Fleet’s criteria and lending suitability.

This varied role requires good decision-making, communication skills, and an excellent eye for detail.

Responsibilities

• Work with agreed objectives, service standards, and deliverables.
• Check documentation and information for adherence to policies and criteria.
• Handle queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.
• Respond promptly to all written correspondence.

Candidate Requirements

• Previous experience as a manual mortgage underwriter (essential).
• Currently holding a mortgage lending mandate (essential).
• Strong decision-making skills.
• Good commercial and professional judgment.
• Excellent written and verbal communication skills.
• CeMAP qualification preferred or willingness to study for it.

What We Offer

• 11% non-contributory pension scheme from day 1
• 25 days annual leave, increasing with service
• Option to purchase up to 5 additional days per year
• Private Medical Insurance
• Annual Discretionary Bonus
• Free Annual Flu Jabs
• Enhanced Company sick pay, increasing with service
• Income protection scheme
• Enhanced Maternity and Paternity leave and pay
• 2 paid volunteer days per year (post probation)
• Electric Vehicle Salary Sacrifice Scheme (post probation)
• Retailer discount and cashback platform