Legal & General
Mortgage Underwriter
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Mortgage Underwriter
Mortgage Underwriter – Home Finance Team
Legal & General (L&G) is a leading UK financial services group and major global investor, safeguarding people’s financial futures since 1836. We strive to build a better society while improving customers’ lives and creating value for shareholders.
We’re one of the world’s largest asset managers, delivering powerful asset origination capabilities that underpin our retirement and protection solutions, including:
- Pension risk transfer
- UK and US life insurance
- UK workplace pensions and retirement income
About the Role & Team
Our Retail business supports customers throughout their lives—help them save, plan, protect, and enjoy retirement. As a leading provider of retirement and protection solutions, we serve c. 12.8 million policyholders and workplace members, guiding them with personalised support.
We’re an inclusive team focused on long-term outcomes, balancing technology, collaboration, and individual support—whether directly with customers, intermediaries, or employers.
Job Title & Overview
We’re recruiting for a Mortgage Underwriter to join our Home Finance team.
Salary: Competitive base package. ** Opportunity to apply your technical expertise** while working alongside colleagues to make efficient, fair, and well-informed underwriting decisions. Join an environment that values diversity, flexibility, and continuous growth—whether you’re building experience or expanding on existing skills.
Key Responsibilities
- Assess and process medium to high-risk or complex cases within agreed mandates.
- Review applications to ensure risks are understood, documented, and managed effectively.
- Engage with customers and third parties (via phone, email, or correspondence) to gather required information.
- Ensure underwriting decisions align with regulatory expectations, audit standards, and company guidelines.
- Mentor and support colleagues, sharing expertise and best practices.
- Analyse underwriting data to spot trends, insights, and areas for improvement.
- Pace workflow to meet daily service targets and monitor case progression.
- Collaborate with internal teams and external partners for seamless business/customer outcomes.
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Job Requirements
- Experience in mortgage underwriting (essential).
- Strong analytical skills—capable of evaluating risk and making balanced, data-driven decisions.
- Excellent written and verbal communication, with meticulous attention to detail.
- Confidence engaging with customers and stakeholders across multiple channels.
- Ability to organise and manage workload efficiently in high-pressure environments.
- A collaborative mindset with a focus on supporting and developing others.
- Familiarity with data analysis, trend identification, and driving continuous improvement.
- Awareness of regulatory requirements (e.g., AML, data protection, Treating Customers Fairly—TCF).
Benefits Package
At L&G, we reward performance and leadership. Our benefits range include:
- Annual performance-bonus plan and share schemes.
- Generous pension contributions.
- Life assurance.
- Healthcare Package (permanent employees only).
- flexible holiday—at least 25 days + public holidays, rising to 26 days after 2 years. Optional holiday buy/sell scheme.
- Competitive family leave.
- Electric car scheme (via tax-efficient salary sacrifice for permanent employees).
- Access to discounts for our products and third-party retailers.
- Sustainable workplaces—investing in modern, carbon-neutral UK offices designed for efficiency and collaboration.
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As part of our 2030 net-zero carbon goals, we’re establishing sustainable office spaces that prioritise eco-friendly practices and modern, re-energising environments.
Company Culture & Flexibility
L&G’s mission: Demonstrate that positive returns can coexist with building a better future for all.
You’ll join a welcoming, inclusive culture where:
- Colleagues of diverse backgrounds and experiences collaborate openly.
- Leadership prioritises integrity, your growth, and wellbeing.
- Career support and development is a priority.
Flexibility is paramount: We assess outcomes over attendance, so we adapt to various working styles—including part-time, term-time, job sharing, and hybrid models. Where possible, we’d accommodate same requests to support both you and business needs.
All candidates: Even if you don’t meet every criterion, we encourage you to reflect on your strengths, potential, and how you align with our purpose.
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