Senior Specialist Mortgage Underwriter: Complex Lending Expert

The Nottingham Building Society; West Leake; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Medicash healthcare scheme

29 days annual leave plus bank holid​e

Annual discretionary bonus scheme

35-hour working 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. You will become a technical expert, mentor colleagues and contribute to policy development to ensure high-quality lending decisions.

With extensive underwriting experience in credit risk, affordability and regulatory compliance, you will manage specialist cases and build strong relationships with brokers and customers

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

• Specialist Mortgage Underwriting: Assess and approve residential mortgage and further advance applications within delegated authority.
• Risk & Customer Outcomes: Deliver fair, consistent and risk-based lending decisions aligned to policy and risk appetite; consider customer vulnerability and affordability sustainability.
• Technical Leadership: Act as a subject matter expert for complex underwriting cases; support referrals and best practice.
• Stakeholder Management: Build relationships with brokers, customers and internal stakeholders; communicate lending decisions clearly.
• Continuous Improvement: Contribute to specialist lending propositions, underwriting policy and process improvements; stay updated on regulation and market developments.

Skills

Credit risk

Affordability assessment

Responsible lending

Communication

Mentoring

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. You will become a technical expert, mentor colleagues and contribute to policy development to ensure high-quality lending decisions.

With extensive underwriting experience in credit risk, affordability and regulatory compliance, you will manage specialist cases and build strong relationships with brokers and customers