Mortgage Underwriting Specialist — Hybrid

Pepper Money UK; Philippines; Hybrid; PHP 670,000 - 1,339,000; Full time

Benefits offered by this job

Competitive salaries and bonus schemes

Hybrid home/office working

Regular training and growth

Holiday leave plus bank holidays

Medical insurance cover

Life insurance

Health and wellbeing support

Job summary

Pepper Money UK is seeking a Broker Underwriting Specialist in Taguig, Philippines, to join our dynamic Sales Operations team. This hybrid role blends in-office collaboration with two days remote work, contributing to a mortgage lending journey that prioritises exceptional service for brokers and customers.

You will assess applications, review supporting docs, manage case pipelines and ensure lending decisions align with policy and risk appetite.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Mortgage underwriting

Mortgage lending

FCA regulation knowledge

Communication skills

Relationship building

Organisation

Attention to detail

MS Office proficiency

Team oriented

Tools

Microsoft Office

Job description

Pepper Money UK is seeking a Broker Underwriting Specialist in Taguig, Philippines, to join our dynamic Sales Operations team. This hybrid role blends in-office collaboration with two days remote work, contributing to a mortgage lending journey that prioritises exceptional service for brokers and customers.

You will assess applications, review supporting docs, manage case pipelines and ensure lending decisions align with policy and risk appetite.