Senior Mortgage Underwriter

Castle Trust Bank; England; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading fintech challenger bank is seeking a Senior Mortgage Underwriter to join their Property lending team. The role involves underwriting mortgage applications, managing a personal pipeline of cases, and ensuring adherence to lending policies. The ideal candidate will have experience in bridging finance and buy-to-let mortgages, excellent communication skills, and the ability to work independently. This position offers a hybrid working arrangement between home and the Basingstoke office, along with competitive salary and benefits.

Benefits

Competitive salary

Annual performance-related bonus

Generous contributory pension scheme

25 days annual leave

Free eye test vouchers

Discounted gym membership

Season ticket travel loans

Qualifications

• Proven underwriter in the mortgage industry.
• Experience in bridging finance and buy-to-let mortgages.
• Demonstrable experience in a manual underwriting role.

Responsibilities

• Underwrite new loan applications via Broker Portal.
• Manage a pipeline of mortgage cases ensuring key milestones.
• Ensure a first-class service is provided at all times.

Skills

Loan Processing

Time Management

Microsoft Office

Credit Analysis

Fraud

Math

Risk Analysis

Banking

Analysis Skills

Fair Housing Regulations

Underwriting

Data Analysis Skills

Job description

Description

The opportunity

We have an opportunity for a Senior Mortgage Underwriter to join us on the exciting and rewarding path we are taking here at Castle Trust Bank. We pride ourselves in being a fintech challenger bank providing specialist property mortgages retail finance lending and savings accounts to a variety of customers.

Joining the Property lending team you will play an important role in underwriting new loan applications received via our Broker Portal ensuring adherence to lending policy throughout the whole application lifecycle through to offer. We offer a variety of mortgage products of a specialist nature to meet the needs of customers such as portfolio landlords, buy to let investors, ex pats and those with holiday lets in addition to providing bridging financing for both light and heavy refurbishments. Therefore the types of loans you will be underwriting are both interesting, challenging and varying in size. With this in mind and an underwriting process which requires manual assessment of the loan rather than automated scoring the role will provide you a perfect opportunity to hone your underwriting skills.

You will be responsible for managing a pipeline of your own cases ensuring that key milestones are achieved as quickly as possible working closely with the Processing and Completions teams to ensure prompt completion of cases keeping our Broker partners informed throughout the journey and ensuring a first-class service is provided at all times.

This role will benefit a hybrid working arrangement to be based between our Basingstoke office (3 days per week) and working the rest of the week from home.

What we are looking for in you

What is important to us is that you are a proven underwriter from within the mortgage industry having held a mandate. From a product perspective you will have experience in bridging finance and buy‑to‑let mortgages. You will need to have the ability to work well to your own initiative and exercise good commercial and professional judgement in applying this to your caseload making recommendations for mortgage applications outside of mandate. You will have demonstrable experience in a manual underwriting role if you wish to be considered with exposure to assessing credit files, valuation reports and complex company information.

What is equally important to us is that you have exceptional communication skills both written and verbal with a natural ability to communicate effectively at all levels. Considering the nature of the role you will need to have a high level of PC literacy with a good working knowledge of Microsoft Office products.

Whats in it for you

As well as a competitive salary we offer an annual performance related bonus based on individual and company addition a generous contributory pension scheme through Hargreaves Lansdown life assurance 25 days annual leave (plus bank holidays on top) with the option to buy/sell up to 5 additional days (terms apply). In addition you will receive an extra day paid annual leave for Volunteering.

Wellbeing is also high on our agenda and we offer healthcare benefits through addition all colleagues have free access to TELUS Health EAP to support their health and wellbeing. We also offer free eye test vouchers and discounted gym membership and if that’s not enough we also offer season ticket travel loans (if applicable).

Caught your attention If so we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank The Place To Work!

Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.

We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities please contact

Required Experience

Senior IC

Key Skills

• Loan Processing
• Time Management
• Microsoft Office
• Credit Analysis
• Fraud
• Math
• Risk Analysis
• Banking
• Analysis Skills
• Fair Housing Regulations
• Underwriting
• Data Analysis Skills

Employment Type : Full-Time

Experience : years

Vacancy : 1