Mortgage Underwriter

Our leading client is seeking a skilled Mortgage Underwriter to process and approve mortgage applications efficiently and accurately. The ideal candidate will have a strong understanding of mortgage products, lending policies, and regulatory requirements. You will play a crucial role in ensuring that our clients receive the best possible service throughout the mortgage application process. This is a hybrid role with travel to Chorley office.

Key Responsibilities:

• Process mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
• Process mortgage applications on the Society software system 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.
• Approve mortgage applications (direct and introduced) within specified limits in accordance with Society Lending Policy.
• Consider mortgage applications outside standard lending policy where a justifiable business reason exists.
• Present out-of-criteria cases to the Credit Risk Committee with appropriate recommendations and rationale.
• 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, including Vulnerable Customers, AML, MCOB, DPA, FCA, etc.
• Meet all requirements of the Training & Competence scheme.
• Handle customer dissatisfaction and complaints as required.
• Identify opportunities for continuous improvement of products, policy, processes, and procedures.
• Capture all risk events and near misses on the events log within 48 hours of identification.
• Carry out other duties consistent with the nature, responsibilities, and expectations of the position.
• Comply with all frameworks, policies, and procedures relevant to this role, including the prevention and detection of Financial Crime against both the Society and its members.

Skills and Qualifications:

• CeMap qualified or industry equivalent.
• Excellent communication skills, both written and verbal.
• Experience with Microsoft packages, including Word and Excel.
• Ability to independently manage multiple tasks.
• Strong attention to detail.
• Awareness of the risks of fraud, money laundering, and terrorist financing, and adherence to relevant policies and procedures.
• Ability to report suspicions of internal or external fraud, money laundering, or terrorist financing in a timely manner.
• Willingness to cooperate fully with the Financial Crime Team during fraud investigations.