Ultimate Banking
Mortgage Underwriter
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Mortgage Underwriter
Glasgow – Hybrid (3 days per week in the office)
To £45K DOE + Bonus + Excellent Benefits
Our client, an innovative and fast-growing specialist mortgage lender, is looking for an experienced Mortgage Underwriter to join their Underwriting Operations team.
This is an exciting opportunity to join a business with ambitious growth plans and a strong reputation for challenging traditional lending decisions. You’ll play a key role in assessing mortgage applications, making sound lending decisions and delivering outstanding customer outcomes while working within an agreed lending mandate.
The successful candidate will manage a pipeline of mortgage applications from submission through to offer, working closely with brokers, customers and internal stakeholders to ensure applications are processed efficiently and in line with lending policy and regulatory requirements.
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Duties of the Mortgage Underwriter
- Manage a pipeline of mortgage applications from submission through to mortgage offer.
- Underwrite and approve standard mortgage applications within an agreed lending mandate.
- Obtain and maintain an authorised lending mandate.
- Build strong working relationships with brokers, customers, valuers, solicitors and other third-party partners.
- Assess lending and property risks, producing clear and accurate case summaries and recommendations.
- Ensure compliance with FCA regulations, Consumer Duty and all relevant regulatory requirements.
Requirements
The successful candidate will possess:
- Previous mortgage underwriting experience within a regulated lending environment.
- Strong knowledge of secured lending, affordability-based underwriting and residential property matters.
- Previous experience operating under a lending mandate.
- Experience handling complex or referred mortgage applications.
- Excellent understanding of FCA regulations, data protection, Anti-Money Laundering requirements and Treating Customers Fairly principles.
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You’ll be joining a collaborative and innovative business that genuinely values its people and offers the opportunity to make a real impact during an exciting period of growth.
Benefits
In return, you’ll receive a competitive salary, annual performance bonus, growth share scheme and an excellent benefits package including 30 days’ holiday plus bank holidays, hybrid working, private health cash plan, employer pension contribution, salary sacrifice schemes and an Employee Assistance Programme.
If you’re looking to further your underwriting career within a progressive and growing specialist mortgage lender, we’d love to hear from you. Apply today and we’ll be in touch promptly.
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