Mortgage Underwriter Full-time /Part-time

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

Job summary

A leading financial services organisation in Northern Ireland is seeking a skilled Mortgage Underwriter. The role involves reviewing applications, assessing risks, and engaging with customers. Applicants should have at least 3 years of experience and 5 GCSEs, including Math and English. The organisation offers competitive salary and hybrid working conditions after training completion.

Benefits

Competitive Salary

Hybrid Working

Annual KPI Bonus Scheme

Excellent Pension up to 28%

Life Assurance Scheme

Health Cash Plan

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

Day off for your Birthday

Qualifications

• At least 3 years experience as a mortgage underwriter.
• Confident in engaging with customers and external clients.
• Experience in a structured fast-paced environment.

Responsibilities

• Review mortgage applications and supporting documentation.
• Conduct analysis of applicants' credit history.
• Identify suspicious activity to protect customers.
• Document reasoning behind application decisions.
• Ensure compliance with all regulatory standards.

Skills

Attention to detail

Decision-making

Customer engagement

Analytical skills

Education

Minimum 5 GCSEs including Math and English

Job description

Mortgage Underwriter

Part time - Full time availability

Inclusion IQ is thrilled to be partnering with our client, a leading financial services organisation in Northern Ireland. This reputable, home-grown institution boasts an outstanding legacy of customer service excellence and has been a trusted partner for local people for generations. They are a truly inclusive employer, actively welcoming applications from experienced returners with a background in the financial sector.

Our client champions inclusion and fosters an environment where you feel supported and valued. This is an exceptional opportunity for a skilled Mortgage Underwriting professional to join a forward-thinking and highly successful team.

The Role

As a Mortgage Underwriter, your expertise will be crucial in our client's core lending operations. Your responsibilities will include:

• 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 and KYC principles.

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

The Person

In order to be successful for this position, applicants must demonstrate the following Skills and Experience.

• Minimum 5 GCSES including Math, English

• Minimum 3 years experience working as a mortgage underwriter

• Ability to make decisions regarding finacial applications

• Confident engaging with customers and external clients

• Exceptional attention to detail

• Experience working within a structured fast-paced environment

• Due to the nature of this role it is essential -Successful applicants will be subject to our pre employment checks. These include credit checks , criminal record checks , Access NI basic check

Benefits

• Competitive Salary

• Hybrid Working - 3 days in office upon completion of training

• Annual KPI Bonus Scheme

• Excellent Pension up to 28%

• Life Assurance Scheme

• Group Income Protection

• Health Cash Plan

• 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