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Mortgage Underwriter
Legal & General – Mortgage Underwriter (Permanent)
Company Description
Legal & General (L&G) is a leading UK financial services group and major global investor. We’ve been safeguarding people’s financial futures since 1836, striving to build a better society while improving the lives of our customers and creating value for shareholders.
We are one of the world’s largest asset managers, offering powerful asset origination capabilities—delivering retirement and protection solutions. Our reach includes:
- Pension risk transfer
- UK and US life insurance
- UK workplace pensions and retirement income
Our Retail Business
We support c.12.8 million policyholders and workplace members at every stage of life—helping them save, plan, protect, and enjoy retirement with personalised, technology-driven service.
Job Title
Mortgage Underwriter
About the Role
We’re recruiting for a Mortgage Underwriter to join our Home Finance team. This is an opportunity to leverage your technical expertise while collaborating to deliver efficient, fair, and well-informed underwriting decisions.
You’ll join a supportive, inclusive environment that values:
- Diverse perspectives
- Continuous professional development
- Flexible working arrangements
Whether you’re at the start of your career or an experienced professional, you’ll have the chance to make a meaningful impact on customer outcomes and business performance.
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Responsibilities
- Assessing and processing medium to high-risk or complex underwriting cases within approved mandates
- Reviewing applications to ensure risks are understood, documented, and managed appropriately
- Gathering information via phone, email, and written correspondence from customers and third parties
- Ensuring decisions align with regulatory guidelines, audit standards, and internal policies
- Mentoring colleagues by sharing knowledge, best practices, and guidance
- Analysing underwriting data to identify trends, insights, and opportunities for improvement
- Managing workflow and monitoring service levels to ensure timely progression of cases
- Collaborating with internal teams and external partners to support business and customer outcomes
Requirements
- Proven experience in mortgage underwriting
- Strong analytical skills with the ability to assess risks and make informed, balanced decisions
- Excellent written and verbal communication, with a keen attention to detail
- Confidence engaging with customers, stakeholders, and cross-functional teams
- Robust organisational skills to effectively manage workloads in a fast-paced environment
- Collaborative mindset and willingness to support and develop others
- Comfortable working with data, identifying trends, and contributing to continuous improvement
- Awareness of regulatory requirements, including AML, data protection, and fair customer treatment
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Benefits
At L&G, we reward performance and positive behaviour with a competitive package that supports your wellbeing and financial future:
✔ Annual performance-based bonus + share schemes ✔ Generous pension contributions ✔ Life assurance ✔ Healthcare plan (permanent employees only) ✔ At least 25 days holiday, plus public holidays (26 days after two years’ service—with options to buy and sell holiday) ✔ Competitive family leave policies ✔ Electric car scheme (tax-efficient salary sacrifice, permanent employees only) ✔ Discounts on L&G products, as well as partnerships with high street and online retailers
Environment & Values
- Net-zero carbon workplaces by 2030, through investments in sustainable, modern offices
- Inclusive culture with diverse perspectives and career development opportunities
- Flexible working options, including part-time, term-time, and job shares (where feasible)
Additional Information
We encourage you to apply even if you don’t meet every criterion—focus instead on what you excel at and how you align with our purpose.
Contract Type
- Permanent (UK and overseas) / Regular (US)
- Business Unit: Legal & General Retail
- Sub-Unit: RETAIL - CENTRAL
- Location: Solihull
- Role Family: Underwriting & Claims
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