Senior Specialist Mortgage Underwriter — Complex Lending

The Nottingham Building Society

Hemington

On-site

GBP 65,000 - 90,000

Full time

7 days ago

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Benefits offered by this job

Medicash healthcare

29 days annual leave + bank holidays

Annual discretionary bonus

Job summary

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve complex mortgage applications, guiding decisions with strong credit risk and affordability analysis. You will mentor colleagues, support referrals and contribute to policy development while upholding high underwriting standards.

You will manage specialist cases, maintain robust decision records and collaborate with brokers and internal stakeholders to deliver fair customer outcomes and

Qualifications

Extensive mortgage underwriting experience with strong expertise in credit risk, affordability assessment and responsible lending.
Knowledge of complex income structures, adverse credit and non-standard properties.
Ability to assess regulatory requirements and maintain high-quality underwriting records.

Responsibilities

Assess and approve residential mortgage and further advance applications within delegated authority.
Manage complex and specialist cases, including self-employed applicants and non-standard income.
Review affordability, creditworthiness, property security and customer circumstances to make lending decisions.
Refer cases outside mandate or risk appetite when appropriate.

Skills

Credit risk expertise

Affordability assessment

Complex underwriting

Broker/stakeholder management

Job description

You will manage specialist cases, maintain robust decision records and collaborate with brokers and internal stakeholders to deliver fair customer outcomes and

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