Residential Mortgage Underwriter – Hybrid & Growth

Deel; Bletchley; Hybrid; GBP 40,000 - 45,000; Full time

Benefits offered by this job

Company Bonus Scheme

Life Insurance

Vitality Private Medical Insurance

Hybrid Working

25 days annual leave

Job summary

Quantum Mortgages Limited (QML) is seeking a Residential Mortgage Underwriter to assess and underwrite mortgage applications from receipt through approval, ensuring compliance with credit policy and regulatory requirements. The role emphasizes accurate decisioning and customer service for brokers and applicants in a hybrid setup across Bletchley and Solihull.

You will handle complex cases, apply risk-based judgement, and collaborate with the underwriting team to uphold data integrity and policy

Qualifications

• Experience in residential mortgage underwriting.
• Strong understanding of credit risk and regulatory requirements (AML/FCA).
• Ability to interpret policy and make independent lending decisions.

Responsibilities

• Process and underwrite new mortgage applications in line with policy.
• Deliver proactive, compliant service to brokers and applicants.
• Assess borrower creditworthiness from initial receipt to completion.
• Maintain data accuracy and audit-ready records.

Skills

Mortgage underwriting principles

Regulatory compliance (AML, FCA)

Credit risk assessment

Data entry accuracy

Communication with brokers

Education

CeMAP or equivalent mortgage qualification

Tools

Mortgage processing systems

CRM platforms

Job description

Quantum Mortgages Limited (QML) is seeking a Residential Mortgage Underwriter to assess and underwrite mortgage applications from receipt through approval, ensuring compliance with credit policy and regulatory requirements. The role emphasizes accurate decisioning and customer service for brokers and applicants in a hybrid setup across Bletchley and Solihull.

You will handle complex cases, apply risk-based judgement, and collaborate with the underwriting team to uphold data integrity and policy