Senior Mortgage Underwriter - Specialist & Complex Lending

The Nottingham Building Society; Kingston on Soar; On-site; GBP 42,000 - 62,000; Full time

Benefits offered by this job

Annual discretionary bonus

Medicash healthcare

29 days leave + bank holidays

35-hour week

Job summary

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve standard and complex mortgage applications within delegated authority, delivering fair, timely and well-reasoned outcomes for customers and brokers.

You will manage a portfolio of specialist cases, including non-standard income and adverse credit, act as a technical expert, mentor colleagues and help develop underwriting policy to ensure consistent high-quality decisions.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Credit risk

Affordability assessment

Complex underwriting

Regulatory knowledge

Stakeholder management

Job description

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve standard and complex mortgage applications within delegated authority, delivering fair, timely and well-reasoned outcomes for customers and brokers.

You will manage a portfolio of specialist cases, including non-standard income and adverse credit, act as a technical expert, mentor colleagues and help develop underwriting policy to ensure consistent high-quality decisions.