Mortgage Underwriter

Benefits

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Free access to company holiday homes
• Buy & sell holidays
• Discretionary annual bonus plus an additional Shared Reward Bonus
• Matched pension contribution
• Health cash plan plus Private medical insurance
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Company Description

We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.

We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 900 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.

Job Description

As an Underwriter, you will accurately underwrite, mandate and complete mortgage and secured loan applications to ensure that we minimise risk to the business and reach the right customer outcome. Focusing on service delivery by following group lending criteria, policies and procedures, you will proactively manage customer and broker relationships whilst delivering a seamless level of service to increase future business.

Responsibilities

• Assess all higher value and complex cases from direct customers and broker intermediaries to make informed underwriting decisions in line with company policies, procedures and lending criteria
• Assess the risk and provide a rationale on each application ensuring that the loan is affordable and sustainable
• Provide mortgage offers in accordance with agreed service levels
• Identify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customer
• Manage the end-to-end pipeline of cases for both pre- and post-offer, using a proactive approach in managing brokers and third parties to ensure SLAs are met
• Liaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
• Act as a point of contact for intermediaries to answer their general and case-specific queries

Qualifications

Essential

• Previous underwriting experience
• Ability to make positive lending decisions on business unusual cases
• Ability to work under pressure and to strict deadlines
• Experience of dealing with customers
• Possess strong objection handling and problem solving skills
• Strong planning and organisational skills
• Excellent attention to detail

Desirable

• Mortgage underwriting experience
• Experience of managing mortgage broker relationships
• Underwriting experience of bridging and term loans

If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you in regards to your suitability for the role.

Additional Information

Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

If you feel you’d benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.

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