Mortgage Underwriter Full-time /Part-time

Inclusion IQ LTD; Belfast; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

Inclusion IQ LTD is seeking a Mortgage Underwriter to join their dynamic team in Belfast. The successful candidate will manage mortgage applications, ensuring compliance and risk assessment while enjoying a hybrid work model. Competitive benefits include substantial pension contributions and continuous professional development opportunities.

Benefits

Competitive Salary

Hybrid Working

Annual KPI Bonus Scheme

Excellent Pension

Life Assurance Scheme

Group Income Protection

Health Cash Plan

Generous Holidays + Bank Holidays

Birthday Day Off

Holiday Purchase Scheme

Cycle to Work Scheme

Supportive Environment

Training and Development

Volunteering Opportunities

Qualifications

• Experience in mortgage underwriting is essential.
• Ability to assess credit history and financial information.
• Knowledge of AML and KYC principles.

Responsibilities

• Review mortgage applications for accuracy and completeness.
• Analyze credit history to assess eligibility.
• Communicate decisions to stakeholders.

Skills

Analytical skills

Risk assessment

Communication

Attention to detail

Job description

Mortgage Underwriter

Part time - Full time availability

Inclusion IQ is thrilled to be partnering with our clients who operate within the financial sector. They are a leading home-grown organisation with an outstanding legacy of customer service excellence across Northern Ireland. For generations, they've been the trusted partner for local people, expertly guiding them through their savings and mortgage journeys with a truly personal and caring approach. With a solid high street presence combined with significant growth ambitions their clear goal is to be the mortgage provider of choice.

They champion Inclusion and believe in fostering an environment where you feel supported and valued. They embrace the flexibility of hybrid working and upon successful completion of your training and probation, you balance 2 days in their vibrant office with the remaining days working from the comfort of your own home. This is an exceptional opportunity for an experienced underwriting professional to join a forward-thinking and highly successful team.

Key Responsibilities

• Efficiently complete and meticulously review mortgage applications, examining all supporting documentation to verify accuracy and ensure completeness.

• Conduct thorough analysis of applicants' credit history and financial information to accurately assess eligibility and affordability.

• Critically analyse the inherent risks within each application, proactively requesting additional information as necessary.

• Vigilantly identify any signs of suspicious or fraudulent activity to protect both the customer and the Society.

• Assess every customer's individual circumstances and the evidence presented, consistently striving for positive and fair customer outcomes.

• Utilise your sharp analytical skills, to make well-reasoned mortgage lending judgements, sanctioning or declining applications.

• Document and effectively communicate the rationale behind all application approvals or rejections to relevant stakeholders.

• Act as a key point of contact for Mortgage Intermediaries, Branches, and internal Society teams, promptly addressing queries regarding the mortgage application process.

• Ensure unwavering compliance with all regulatory standards, internal mortgage policies, procedures, and guidelines, including AML (Anti-Money Laundering) and KYC principles.

• Contribute to the achievement of minimum KPI requirements and targets, playing a vital role in the team's overall success.

Benefits

• Competitive Salary

• Hybrid Working

• Annual KPI Bonus Scheme

• Excellent Pension with an impressive employer contribution of up to 20%

• Life Assurance Scheme

• Group Income Protection

• Health Cash Plan for money back on dental, optical, and other healthcare costs

• Generous Holidays: 25 days, plus up to 12 Bank Holidays

• Day off for your Birthday!

• Holiday Purchase Scheme

• Cycle to Work Scheme

• supportive and collaborative environment environment

• Excellent training and development opportunities, including potential for professional qualifications

• Dedicated volunteering opportunities to give back to the community

(Successful applicants will be subject to our pre employment checks. These include credit checks , criminal record checks , Access NI basic check)