Senior Mortgage Underwriter: Risk-Smart & Fair Outcomes

MERJE; Nottingham; On-site; GBP 32,000 - 52,000; Full time

Job summary

MERJE is seeking an experienced Underwriter to assess and sanction mortgage applications within delegated authority. You will apply MCOB and Consumer Duty guidance to deliver fair, timely outcomes for customers and brokers.

Responsibilities include maintaining portfolio quality, identifying risks, and documenting decisions for audit reviews. A strong CeMAP or equivalent qualification is required, with experience in residential and Buy-to-Let lending.

Qualifications

• GCSE level standard or equivalent, including English and Mathematics.
• Knowledge of MCOB, Consumer Duty, AML, CDD/KYC and data protection.
• Experience with mortgage processing, property valuations, conveyancing and related legal aspects.
• CeMAP or another relevant mortgage qualification.
• Experience with residential mortgage applications and underwriting mandates.

Responsibilities

• Maintain the quality of the mortgage portfolio through prudent, consistent and risk-based decision-making.
• Apply policy consistently while exercising appropriate judgement and flexibility to reflect individual customer circumstances.
• Identify, manage and escalate credit, conduct, fraud, operational or customer risks promptly and appropriately.
• Deliver decisions that balance responsible lending, good customer outcomes and risk appetite.
• Document decisions clearly so that the rationale, evidence considered and customer outcome can be understood and independently reviewed.
• Strong written and verbal communication, relationship management and problem-solving skills.
• Ability to manage a varied pipeline, competing priorities and time-sensitive cases without compromising quality.

Skills

Mortgage underwriting

Risk assessment

Policy interpretation

Credit analysis

Communication skills

Attention to detail

Education

GCSEs including English and Maths

Job description

MERJE is seeking an experienced Underwriter to assess and sanction mortgage applications within delegated authority. You will apply MCOB and Consumer Duty guidance to deliver fair, timely outcomes for customers and brokers.

Responsibilities include maintaining portfolio quality, identifying risks, and documenting decisions for audit reviews. A strong CeMAP or equivalent qualification is required, with experience in residential and Buy-to-Let lending.