Legal & General
Mortgage Underwriter
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Mortgage Underwriter
#L&G Mortgage Underwriter Role
We’re Legal & General (L&G), a leading UK financial services group and global investors since 1836. Our Retail business supports customers with retirement and protection solutions, serving around 12.8 million policyholders through personalised, innovative approaches.
Job Title: Mortgage Underwriter
About the Role We’re recruiting for a Mortgage Underwriter to join our Home Finance team. We offer a competitive base salary and a supportive environment where diverse perspectives are valued.
As an Underwriter, you’ll assess complex mortgage applications, making informed decisions while collaborating with colleagues and stakeholders. Your expertise in risk assessment and customer-centric outcomes will drive efficiency and fairness.
Join us in a culture that encourages career development, flexible working options, and inclusive opportunities.
Key Responsibilities
- Assess and process medium to high-risk or complex underwriting cases within agreed mandates
- Review mortgage applications to ensure risks are clearly understood, documented, and managed
- Communicate with customers and third parties via phone, email, and written correspondence to gather necessary supporting documentation and information
- Ensure all underwriting decisions align with regulatory guidelines, audit standards, and best practices
- Support and mentor colleagues by sharing knowledge, best practices, and procedural guidance
- Analyse underwriting data to identify trends, assets and risks, and potential process improvements
- Manage your workflow efficiently while monitoring service levels to ensure timely case progression
- Collaborate with internal teams and external partners to optimise business and customer outcomes
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Requirements & Qualities
- Experience within Mortgage Underwriting (any lender)
- Strong analytical skills with the ability to:
- Evaluate risk
- Make informed, balanced decisions
- Exceptional written and verbal communication skills, with ** meticulous attention to detail**
- Confidence in engaging with customers, stakeholders, and third parties across various channels
- Strong organisational ability and workload management in a fast-paced environment
- Collaborative attitude, with a commitment to supporting and mentoring others
- Comfort conducting data analysis and identifying operational trends to drive continuous improvement
- Awareness of regulatory requirements, including:
- Anti-Money Laundering (AML)
- Data protection (GDPR/FDWR)
- Fair treatment of customers
Competitive Benefits Package
We reward performance and positive behaviour with a tailored benefits package, including:
- Annual performance-related bonus and valued share schemes
- Generous pension contributions (7.5% employer contribution)
- Life assurance coverage
- Healthcare plan (Eligible permanent employees)
- Holiday entitlement: At least 25 days + public holidays
- 26 days after 2 years’ service
- Ability to buy or sell holiday provision
- Competitive family leave policies
- Electric car scheme (via tax-efficient salary sacrifice)
- Option to lease a brand-new electric car (Eligible permanent employees)
- Discounts on our own products and a range of high-street retailers & online services
- Net-zero carbon workplaces by 2030 with:
- Sustainable, modern UK offices
- Purpose-built spaces designed for collaboration and in-person engagement
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Our Vision & Values
At L&G, we believe in generating positive returns today while contributing to a better future for society.
As part of a welcoming, inclusive workforce, you’ll:
- Collaborate with peers from diverse backgrounds, perspectives, and experiences
- Work under leaders committed to integrity and your long-term success
- Access career development initiatives that help you grow and excel
Flexible Working Culture
We prioritise outcomes over attendance, offering open and flexible working arrangements, including:
- Part-time roles
- Term-time working
- Job-sharing agreements
While some roles require core operating hours due to customer demand, we strive to accommodate reasonable flexibility requests.
Note: We don’t require you to meet every listed criterion—highlight your strengths, potential, and alignment with our purpose when applying!
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