Mortgage Underwriting Specialist — Hybrid Role

Pepper Money UK; Taguig; Hybrid; PHP 4,230,000 - 5,922,000; Full time

Benefits offered by this job

Hybrid work model

Competitive salaries

Bonus schemes

Career development

Medical insurance

Life insurance

Health and wellbeing support

Job summary

Pepper Money UK is seeking a Broker Underwriting Specialist to join our Sales Operations team. You will assess mortgage applications, review documentation, and manage case pipelines while aligning decisions with policy and risk appetite.

You will work in a hybrid model, collaborating with brokers and internal teams to deliver exceptional service and compliant outcomes in a fast-paced environment.

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

Customer service

Regulatory knowledge

Communication skills

Microsoft Office

Relationship building

Attention to detail

Team player

Tools

Microsoft Office

Excel

Job description

Pepper Money UK is seeking a Broker Underwriting Specialist to join our Sales Operations team. You will assess mortgage applications, review documentation, and manage case pipelines while aligning decisions with policy and risk appetite.

You will work in a hybrid model, collaborating with brokers and internal teams to deliver exceptional service and compliant outcomes in a fast-paced environment.