Senior Specialist Mortgage Underwriter — Complex Lending Expert

The Nottingham Building Society; Stanford on Soar; Vor Ort; GBP 60.000 - 90.000; Vollzeit

Benefits dieser Stelle

Medicash healthcare

29 days annual leave plus bankholidays

Discretionary annual bonus

Zusammenfassung

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve complex mortgage applications within delegated authority. You will manage specialist cases, including non-standard income and Extraordinary Borrower scenarios, while maintaining robust records and policy alignment.

You will also mentor colleagues, support referrals, and contribute to underwriting policy and process improvements, ensuring fair and well-reasoned lending decisions across the

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Mortgage underwriting

Complex cases

Credit risk

Policy interpretation

Jobbeschreibung

The Nottingham Building Society is seeking a Specialist Senior Mortgage Underwriter to assess and approve complex mortgage applications within delegated authority. You will manage specialist cases, including non-standard income and Extraordinary Borrower scenarios, while maintaining robust records and policy alignment.

You will also mentor colleagues, support referrals, and contribute to underwriting policy and process improvements, ensuring fair and well-reasoned lending decisions across the