Broker Underwriting Specialist

Pepper Money UK; Makati; Hybrid; PHP 670,000 - 1,004,000; Full time

Benefits offered by this job

Competitive salaries and bonus schemes

Hybrid home/office working

Job summary

Pepper Money UK is hiring a Broker Underwriting Specialist in the Philippines, based in BGC, Taguig, with a hybrid pattern: three days in the office and two days at home. You will manage applications to approval, assess against policy, review documentation, and coordinate with brokers to deliver timely decisions.

You should have mortgage underwriting experience, strong regulatory knowledge, and excellent communication to build relationships with brokers and internal teams.

Qualifications

• Experience in mortgage underwriting or specialist lending.
• Strong understanding of mortgage lending principles and customer journeys.
• Familiarity with FCA regulation and Consumer Duty.

Responsibilities

• Assess new mortgage applications against lending policy and criteria.
• Review supporting documentation including valuations, income evidence, bank statements and credit reports.
• Manage a pipeline of cases and ensure timely progress through underwriting.
• Build relationships with brokers, packagers and internal stakeholders to deliver service.
• Communicate progress and updates clearly to brokers and customers.
• Apply sound judgement to ensure fair, risk-based decisions.

Skills

Mortgage underwriting

Regulatory knowledge

Communication

Relationship building

Office software

Tools

Microsoft Office

Job description

Job Description:

Location: BGC, Taguig

Shift pattern: Mid-shift – 4pm MNL to 1am MNL

Working Model: Hybrid, 3 days in the office and 2 days working from home.

Working in our dynamic, successful Sales Operations team there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans.

We really do believe that it's our people who are our main competitive advantage – the 'thing' that sets us apart from our competitors.

Our passion is to 'Help People Succeed'. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues.

We operate a hybrid working model, with a split of three days in the Manchester office and two days at home.

What you will be doing

As a Broker Underwriting Specialist, you'll be a key part of the journey from application to approval, delivering exceptional service to brokers and customers while ensuring all lending decisions align with policy, procedures and risk appetite. Using your underwriting expertise and knowledge of lending criteria, you'll assess applications, manage case pipelines and work closely with brokers and internal teams to achieve positive customer outcomes.

• Assess new mortgage applications against lending policy and criteria.
• Review and assess supporting documentation including valuations, income evidence, bank statements and credit reports.
• Manage a pipeline of cases, ensuring applications progress efficiently through the underwriting process.
• Build strong relationships with brokers, packagers and internal stakeholders to deliver outstanding service.
• Respond to queries and provide updates on application progress, ensuring clear and proactive communication.
• Apply sound judgement to assess individual circumstances and supporting evidence, ensuring fair and consistent lending decisions.
• Ensure all decisions and processing activities are completed in line with regulatory requirements and business objectives.
• Meet agreed service levels, quality standards and performance targets.
• Identify opportunities for continuous improvement across underwriting processes and customer journeys.
• Support a positive compliance, risk and customer-focused culture across the business.

What we are looking for

We're looking for a customer-focused underwriting professional with a strong understanding of mortgage lending and a passion for delivering great outcomes. You'll be an excellent communicator who thrives in a fast-paced environment, balancing attention to detail with strong relationship-building skills. With a proactive and collaborative approach, you'll enjoy working as part of a team while taking ownership of your individual caseload.

• Experience within mortgage underwriting, specialist lending or a related financial services environment.
• Strong understanding of mortgage lending principles, underwriting processes and customer journeys.
• Knowledge of FCA regulation, Consumer Duty and mortgage lending requirements.
• Excellent verbal and written communication skills.
• Proven ability to build relationships with brokers, customers and internal stakeholders.
• Strong organisational skills with the ability to manage a busy pipeline and prioritise effectively.
• High attention to detail and the ability to make informed, risk-based decisions.
• Proficiency in Microsoft Office, including Excel, Word, Outlook and PowerPoint.
• A proactive, adaptable and team-oriented approach to work.

Some of the benefits we provide are:

• Competitive salaries and bonus schemes
• Hybrid home/office working arrangements
• Regular training and opportunities to learn and grow
• Holiday leave plus bank holidays
• Medical insurance cover
• Life insurance
• Health and wellbeing support

In return for your commitment, you'll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then we'd love to hear from you.

We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.