Specialist Senior Mortgage Underwriter - Nottingham

The Nottingham Building Society; Upper Broughton; On-site; GBP 45,000 - 65,000; Full time

Benefits offered by this job

Medicash healthcare

29 days annual leave

Annual discretionary bonus scheme

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 complex income structures, adverse credit and non-standard properties, act as a technical expert, mentor colleagues and contribute to policy development and underwriting standards.

Qualifications

• Extensive mortgage underwriting experience with credit risk, affordability and responsible lending expertise.
• In-depth knowledge of complex residential lending including non-standard income and adverse credit.
• Strong understanding of regulatory requirements (MCOB, Consumer Duty, AML, data protection).
• Proven ability to assess complex customer circumstances and make clear, balanced lending decisions.
• Confidence managing policy exceptions and coordinating with multiple stakeholders.

Responsibilities

• Assess and approve residential mortgage and further advance applications within delegated authority.
• Manage complex and specialist cases including self-employed, adverse credit and non-standard properties.
• Review affordability, creditworthiness and property security to inform lending decisions.
• Refer cases outside mandate or risk appetite as appropriate.

Skills

Credit risk

Affordability

Responsible lending

Job description

As a Specialist Senior Mortgage Underwriter, you'll assess and approve both standard and complex mortgage applications within your delegated authority, delivering fair, timely and well-reasoned outcomes for customers and brokers.

Alongside managing a portfolio of specialist cases, including complex income structures, adverse credit, non-standard properties and Extraordinary Borrower (EOB) scenarios, you'll act as a technical expert within the team. You'll support underwriting referrals, mentor colleagues, contribute to policy development and help drive consistent, high-quality underwriting decisions across the Society.

Heresa taste of what you will be doingasaSpecialist Senior Mortgage Underwriter at Nottingham Building Society:-

Specialist Mortgage Underwriting

• 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.

Risk & Customer Outcomes

• Deliver fair, consistent and risk-based lending decisions aligned to policy and risk appetite.
• Consider customer vulnerability, affordability sustainability and foreseeable harm in all decisions.
• Identify and elevate credit, fraud, conduct or operational risks where appropriate.
• Maintain clear and robust decision records.

Technical Leadership

• Act as a subject matter expert for complex underwriting cases.
• Support colleagues with referrals, technical guidance and best practice.
• Share insights on emerging risks, market trends and specialist lending.

Stakeholder Management

• Build strong relationships with brokers, customers and internal stakeholders.
• Communicate lending decisions, requirements and conditions clearly and professionally.
• Support the delivery of excellent customer and broker outcomes.

Continuous Improvement

• Contribute to specialist lending propositions, underwriting policy and process improvements.
• Support changes to products, policy, systems and decisioning tools.
• Maintain up-to-date knowledge of regulation, market developments and emerging risks.

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.

Desirable

• Experience of specialist lending propositions and customers who sit outside traditional lending models.
• Knowledge of Open Banking, automated decisioning and technology-enabled underwriting.
• Ability to interpret portfolio trends and emerging risks to support lending decisions and continuous improvement.

Werepassionate about giving back to the communities in which we serve as well as supporting local charities as part of the Samuel Fox Foundation. One of the many ways you can get involved is to use the 2 days per year paid leave to volunteer for causes or charities that are important to you.

Your health and wellbeingisour priority, we encourage this through a suite of support resources, including a team of trained mental health first aiders.

EmbracingDiversityTogether:-

We proudly embrace and celebrate diversity as a fundamental cornerstone of our values. We believe that a diverse and inclusive workplace is not just essential for our success but is also a reflection of the vibrant communities we serve. Our commitment to diversity extends beyond our internal culture to the way we approach advertising and engage with our customers.

Our commitment means actively working toeliminatebarriers and biases that may hinder equal opportunities within ourorganisation. We strive to ensure that all individuals, regardless of background, have an equal chance to thrive and advance in their careers.

We acknowledge that diversity is not just a goal to be achieved but a continuous journey toward creating an environment that embraces differences and promotes equal opportunities for all. We are committed to fostering an inclusive culture that encourages collaboration, creativity, and a sense of belonging for every member of our community.

About us:-

Togetherweovercomebarriers and shapebrighter futures for our customers,colleaguesand our communities.

We are a mutual, which means wedonthave shareholders. Instead,wereowned by our members and use our money to do good, investing in our community, responsible causes, and well, you. So,werealways striving to do the right thing for ourcolleagues,communitiesand members.

Although our history spansover170 years, our purpose of helping our members save,planforand protecttheir financial futures is enduring.At Nottingham Building Society, we are dedicated to overcoming obstacles and turning challenges into opportunities. At the heart of our mission is our unwavering commitment to breaking downbarriers and building better futures by helping our customers achieve the significant milestone of owning their own home., We are a mutual, which means we dont have shareholders. Instead, were owned by our members and use our money to do good, investing in our community, responsible causes, and well, you. So, were always striving to do the right thing for our team,communities and members.Although our history spans over 170 years, our purpose of helping our members save, plan for and protect their financial futures is enduring. At The Nottingham Building Society, we are dedicated to overcoming obstacles and turning challenges into opportunities. At the heart of our mission is our unwavering commitment to breaking down barriers and building better futures by helping our customers achieve the significant milestone of owning their own home.

A fair and competitive salary evaluated against market data, annual discretionary bonus scheme,Medicashhealthcare scheme, 29 days annual leave plus bank holidays and enhanced family leave.

Commitment and dedication to your ongoing personal and professional development. We help you to own and grow your potential so you can be at your best in your current role and to support your future career aspirations.

For all full-time roles we work a 35-hour working week to promote a work/life balance, we want you to be at your best inside and outside of work.

A friendly and inclusive culture where teams genuinely strive to do the right thing by their colleagues and our customers.

A strong sustainability agenda werecontinually finding new ways to be kinder to the environment by reducing our carbon footprint.