Senior Mortgage Underwriter – Specialist & Complex Lending

The Nottingham Building Society; Barrow upon Trent; Presencial; GBP 45.000 - 65.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Discretionary bonus

Medicash healthcare

29 days annual leave + bank holidays

Descripción de la vacante

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve complex mortgage applications within delegated authority. You’ll lead on specialist cases, including non-standard income and adverse credit, while guiding policy and helping colleagues uphold high underwriting standards.

Deliver fair, timely decisions, mentor teammates and contribute to continual improvement across lending policy and processes.

Formación

• Extensive mortgage underwriting experience with strong expertise in credit risk, affordability assessment and responsible lending.
• In-depth knowledge of complex and specialist residential lending, including non-standard income, adverse credit and higher-risk cases.
• Strong understanding of regulatory requirements, including MCOB, Consumer Duty, AML, Financial Crime and Data Protection.
• Proven ability to assess complex customer circumstances and make clear, balanced and well-reasoned lending decisions.
• Confidence managing policy exceptions, multiple risk factors and complex stakeholder discussions.
• Excellent communication, influencing and relationship management skills, with the ability to coach and support colleagues.

Responsabilidades

• Assess and approve residential mortgage and further advance applications within delegated authority.
• Manage complex and specialist cases, including self-employed applicants, adverse credit, multiple income streams, non-standard properties and Extraordinary Borrower (EOB) scenarios.
• Review affordability, creditworthiness, property security and customer circumstances to make informed lending decisions.
• Refer cases outside mandate or risk appetite appropriately.
• Deliver fair, consistent and risk-based lending decisions aligned to policy and risk appetite.
• Consider customer vulnerability, affordability sustainability and foreseeable harm in all decisions.
• Identify and elevate credit, fraud, conduct or operational risks where appropriate.
• Maintain clear and robust decision records.
• Act as a subject matter expert for complex underwriting cases and support colleagues with referrals and best practice.

Conocimientos

Mortgage underwriting

Credit risk assessment

Regulatory compliance

Stakeholder management

Mentoring colleagues

Descripción del empleo

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve complex mortgage applications within delegated authority. You’ll lead on specialist cases, including non-standard income and adverse credit, while guiding policy and helping colleagues uphold high underwriting standards.

Deliver fair, timely decisions, mentor teammates and contribute to continual improvement across lending policy and processes.