Senior Mortgage Underwriter – Complex Lending Expert

Saffron Building Society; Saffron Walden; On-site; GBP 40,000 - 55,000; Full time

Benefits offered by this job

Pension contributions

Annual leave

Performance bonus

Life Assurance

Income Protection

Flexible working culture

Job summary

Saffron Building Society is seeking an experienced Underwriter to join our underwriting team in the United Kingdom. You will assess mortgage applications, determine creditworthiness and support our members through life’s moments.

In this role you will work with lending teams, brokers and processing to deliver timely decisions while maintaining regulatory standards. Previous mortgage underwriting experience and strong analytical skills are essential.

Qualifications

• Minimum 2 years in mortgage underwriting.
• Experience with complex lending (HNW, BTL, HMO, expat, self-build).
• Strong analytical skills to assess financial information.
• Excellent communication with brokers and customers.
• Proficient in underwriting software and MS Office.
• Ability to make quick decisions in a regulated environment.

Responsibilities

• Assess mortgage applications and documentation for creditworthiness.
• Make timely lending decisions in line with policies.
• Collaborate with processing, BD, and mortgage intermediaries.
• Maintain accurate records of underwriting decisions.
• Stay updated on industry trends and regulatory changes.

Skills

Mortgage underwriting

Analytical skills

Communication skills

Customer focus

Regulated environment

Decision making

Pipeline management

Education

CeMAP

Finance qualification

Tools

Underwriting software

Microsoft Office

Job description

Saffron Building Society is seeking an experienced Underwriter to join our underwriting team in the United Kingdom. You will assess mortgage applications, determine creditworthiness and support our members through life’s moments.

In this role you will work with lending teams, brokers and processing to deliver timely decisions while maintaining regulatory standards. Previous mortgage underwriting experience and strong analytical skills are essential.