Mortgage Underwriter: Personal-Touch Lending and Policy

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

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.