Senior Specialist Mortgage Underwriter – Complex Lending

The Nottingham Building Society; Normanton on the Wolds; Sur place; GBP 60 000 - 90 000; Plein temps

Avantages offerts par ce poste

Medicash healthcare

Annual discretionary bonus

29 days annual leave

Résumé du poste

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 handle specialist cases, mentor colleagues and contribute to policy development while driving high-quality underwriting decisions across the Society.

Qualifications

• Extensive mortgage underwriting experience with strong expertise in credit risk, affordability assessment and responsible lending.
• 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 and Data Protection.
• Proven ability to assess complex customer circumstances and make clear, balanced lending decisions.

Responsabilités

• Assess and approve residential mortgage and further advance applications within delegated authority.
• Manage complex and specialist cases including self-employed applicants, adverse credit and EOB scenarios.
• Review affordability, creditworthiness, property security and customer circumstances to make informed lending decisions.
• Refer cases outside mandate or risk appetite appropriately.

Connaissances

Complex income structures

Adverse credit

Non-standard properties

Extraordinary Borrower (EOB)

Credit risk

Affordability assessment

Responsible lending

Mentoring colleagues

Outils

Open Banking

Automated decisioning

Technology-enabled underwriting

Description du poste

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 handle specialist cases, mentor colleagues and contribute to policy development while driving high-quality underwriting decisions across the Society.