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- Tasks: Join us as a Mortgage Underwriter, analysing mortgage applications and delivering top-notch customer service.
- Company: We're a specialist intermediary lender based in Manchester, focused on providing exceptional service.
- Benefits: Enjoy flexible working, 25 days annual leave, private medical insurance, and an 11% pension scheme from day one.
- Why this job: Be part of a supportive team, enhance your skills, and make a real impact in the finance sector.
- Qualifications: Previous experience as a manual Mortgage Underwriter and excellent communication skills are essential.
- Other info: Work from home two days a week after probation and enjoy perks like retailer discounts and volunteer days.
The predicted salary is between 36000 - 60000 £ per year.
Location: Manchester, with flexibility to work from home 2 days a week once probation is passed.
Salary: Depending on experience.
- 11% non-contributory pension scheme from day 1
- 25 days annual leave, increasing with service
- Annual leave purchase scheme, up to 5 additional days per year
- Private Medical Insurance
- Annual Discretionary Bonus
- Free Annual Flu Jabs
- Enhanced Company sick pay, increasing with service
- Enhanced Maternity and Paternity leave and pay
- 2 paid days to volunteer each year
- Electric Vehicle Salary Sacrifice Scheme
- Retailer discount and cashback platform
We have an exciting opportunity for a Mortgage Underwriter to join a specialist intermediary only lender. The successful candidate will be required to provide a professional, efficient, and high standard of customer service to customers, intermediaries, valuers, and solicitors. Holding a lending mandate, the role will focus on accurately analysing and understanding key elements of all mortgage applications at every level of the process through to offer, whilst ensuring adherence to all policies, procedures and regulatory guidelines.
Responsibilities:
- Work to agreed objectives, service standards and deliverables.
- Ensure relevant documentation and information received is checked for adherence to policy and criteria.
- Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.
- Provide a prompt reply to all written correspondence.
- Develop positive working relationships with colleagues.
- Make suggestions for improvements to processes to enhance service and efficiency.
- Adhere to internal/external compliance, credit review and audit requirements.
- Apply all aspects of the desired consumer outcomes of Treating the Customer Fairly (TCF).
- Use initiative to resolve queries outside own area of expertise.
- Train and mentor new team members.
- Take responsibility for your own learning and development.
- All other associated duties and responsibilities and carry out any tasks as required by management.
Experience required:
- Previous experience as a manual Mortgage Underwriter.
- Currently holding a lending mandate.
- Proven ability to exercise good commercial and professional judgment.
- Excellent communication skills, both written and verbal.
- PC literate with a good knowledge of Microsoft Office products including Word, Excel, PowerPoint, and Outlook.
- CeMAP preferred or a willingness to study.
For more information regarding the role, please contact us.
Mortgage Underwriter employer: JR United Kingdom
Contact Detail:
JR United Kingdom Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter
✨Tip Number 1
Familiarise yourself with the latest mortgage underwriting guidelines and regulations. This will not only help you in interviews but also demonstrate your commitment to staying updated in the field.
✨Tip Number 2
Network with professionals in the mortgage industry, especially those who are currently working as underwriters. They can provide valuable insights and may even refer you to job openings at their companies.
✨Tip Number 3
Prepare for potential interview questions by practising how you would handle specific scenarios related to mortgage applications. This will showcase your problem-solving skills and ability to think on your feet.
✨Tip Number 4
Highlight your experience with customer service in your discussions. As a Mortgage Underwriter, building positive relationships is key, so be ready to share examples of how you've excelled in this area.
We think you need these skills to ace Mortgage Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience as a Mortgage Underwriter. Focus on your previous roles, especially those involving manual underwriting and lending mandates. Use keywords from the job description to catch the employer's attention.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Mention your ability to provide excellent customer service and your experience with compliance and regulatory guidelines. Personalise it to reflect why you want to work for this specific lender.
Showcase Communication Skills: Since excellent communication skills are crucial for this role, ensure your application reflects this. Use clear and concise language in your CV and cover letter, and consider including examples of how you've effectively dealt with queries or trained new team members.
Highlight Continuous Learning: Mention any relevant qualifications like CeMAP or your willingness to study for it. Emphasise your commitment to personal development and how you take responsibility for your learning, which aligns with the company's values.
How to prepare for a job interview at JR United Kingdom
✨Know Your Mortgage Basics
Brush up on your knowledge of mortgage underwriting processes and regulations. Be prepared to discuss your previous experience and how it aligns with the responsibilities outlined in the job description.
✨Demonstrate Excellent Communication Skills
Since the role requires effective communication with customers and colleagues, practice articulating your thoughts clearly. Prepare examples of how you've successfully handled queries or resolved issues in the past.
✨Showcase Your Analytical Skills
Be ready to discuss how you analyse mortgage applications and ensure compliance with policies. Consider bringing examples of complex cases you've worked on and how you approached them.
✨Emphasise Teamwork and Mentoring
Highlight your ability to work collaboratively and mentor others. Think of instances where you've contributed to team success or helped train new members, as this aligns with the company's focus on developing positive working relationships.
