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Role Overview & PurposeResidential lending business require a Mortgage Underwriter for an initial 18-month fixed term contract. The business offers a very flexible hybrid policy with only 2 days per month required in the head office located in Lancashire.
Whilst initially being a fixed term contract, the business are hopeful a longer term period or a permanent opportunity may develop during the 18 months.
Role responsibilities.
- Process mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
- Process mortgage applications and complete all procedural administrative documentation efficiently liaising with the customer during the application process.
- Maintain accurate records and notes throughout all stages of the mortgage application.
- To approve mortgage applications (direct and introduced) within specified limits in accordance with the Lending Policy.
- To consider mortgage applications outside standard lending policy where a justifiable business reason exist.
- To present out of criteria cases to Credit Risk Committee with appropriate recommendations and rationale.
- To maintain professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.
- Maintain knowledge and comply with all legal responsibilities and codes of conduct to which the Society must comply with i.e. Vulnerable Customers, AML, MCOB, DPA, FCA etc.
- To meet all requirements of the Training & Competence scheme.
- To deal with customer dissatisfaction and complaints as required.
Personal Attributes & Experience
- Experience within residential lending
- Extensive knowledge across mortgage underwriting
Applicants must be located and eligible to work in the UK without sponsorship.
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