Mortgage Underwriter

📋 Description

• Assess second charge mortgage applications using Open Banking data and supporting docs
• Underwrite in line with policy, regulation and responsible lending standards
• Maintain growing targets for a new product
• Use in-house build system to process applications; provide system feedback
• Conduct fraud prevention and AML checks per FCA rules
• Manage underwriting pipeline and maintain service standards

🎯 Requirements

• Minimum 1 year underwriting experience on first or second charge mortgages
• Pipeline management experience and targeting
• Experience in an FCA-regulated environment
• Strong understanding of responsible lending, affordability, and credit file assessment
• Excellent attention to detail and sound judgement
• Strong communication and interpersonal skills with a collaborative approach

🎁 Benefits

• Equity
• Hybrid with 3 days a week in the office
• 25 days holiday plus 8 bank holidays
• 2 paid volunteering days per year
• One month paid sabbatical after 4 years
• Free gym membership through WellHub