Bradley David Associates
Mortgage Underwriter
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Bradley David Associates is working with a leading financial services business on the search for an experienced Mortgage Underwriter.
City of London
Hybrid
Monday to Friday
up to £46,500 DOE
Strong bonuses, pension, perks and benefits
About the Role
This role will involve assessing mortgage applications in line with lending policy, regulatory requirements, and agreed service standards. You will take ownership of cases throughout the underwriting process, ensuring decisions are accurate, well documented, and provide a positive experience for customers and advisers.
The successful candidate will have previous mortgage underwriting experience gained within a bank, building society, or specialist mortgage lender.
Key Responsibilities
- Assess and underwrite mortgage applications in accordance with lending policy, procedures, and FCA requirements.
- Take ownership of cases throughout the underwriting process, ensuring applications are progressed accurately and within agreed timescales.
- Review supporting documentation and make appropriate lending decisions based on risk, affordability, and policy.
- Maintain accurate records and ensure all decisions and communications are fully documented.
- Handle telephone and email enquiries from mortgage advisers, brokers, and internal teams.
- Build and maintain strong working relationships with advisers and other areas of the business.
- Investigate and resolve queries or complaints in accordance with internal and regulatory procedures.
- Maintain up-to-date knowledge of mortgage products, lending criteria, and relevant FCA regulations.
- Support colleagues by sharing knowledge and contributing to the continuous improvement of underwriting processes and customer service.
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About You
You will ideally have:
- At least 1 year's mortgage underwriting experience.
- Experience within Equity Release would be particularly beneficial, although candidates from Buy-to-Let or mainstream residential mortgage underwriting backgrounds will also be considered.
- Previous mortgage administration or underwriting experience within a bank, building society, or mortgage lender.
- Good working knowledge of FCA regulations relating to residential mortgages.
- Strong attention to detail and a high level of accuracy.
- Excellent written and verbal communication skills.
- A proactive, positive, and solutions-focused approach.
- The ability to manage a busy caseload and work effectively in a fast-paced environment.
- Good working knowledge of Microsoft Office.
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This is an excellent opportunity for an experienced Mortgage Underwriter looking to join an established financial services organisation and develop their career within a professional and supportive environment.
Benefits
- Additional leave
- Casual dress
- Company pension
- Cycle to work scheme
- Discounted or free food
- Employee discount
- Health & wellbeing programme
- Life insurance
- On-site gym
- Private dental insurance
- Private medical insurance
- Work from home
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Jessica, London
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