Mortgage Underwriter

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Working for Progressive offers you the opportunity to be part of a leading home-grown organisation with a proud reputation for customer service excellence.

With our personal and caring approach, we have been helping generations of local people to save and become homeowners. Supported by a strong high street presence and ambitious growth plans, our vision is to be the savings and mortgage provider of choice in Northern Ireland.

As a nurturing employer, we believe in supporting staff to bring their whole selves to work in an inclusive environment where diverse needs are recognised and respected.

If you are seeking the opportunity of blended home and office working in an exciting new role, then we would love to hear from you. Upon successful completion of your training/probation period, we can offer you 2 days in the office with the remainder in the office or at home at your discretion.

About The Role

We are looking for an experienced Mortgage Underwriter to join our thriving Head Office Mortgage Underwriting Team. Reporting directly to our Mortgage Underwriting Manager, the role aims to help our branches and brokers deliver a high-quality service that supports our ambitious growth plans.

With an eye for detail and strong people skills, you will bring significant underwriting experience to handle multiple cases in accordance with our lending policies, TMF principles, regulatory requirements, and FCA responsible lending practices.

If you are passionate about serving our mortgage customers and ensuring customer experience excellence, then we want to hear from you. You will have the opportunity to work flexibly within a hybrid arrangement and continue to grow your knowledge and skills in a collaborative team environment.

Responsibilities include:

• Dealing with Mortgage Intermediaries, Branches, and Society teams regarding the mortgage application process.
• Completing and reviewing mortgage applications, examining supporting documentation, and verifying accuracy.
• Analyzing applicants’ credit history and financial information to assess eligibility.
• Assessing risk, requesting additional information as necessary, and identifying signs of suspicious or fraudulent activity.
• Evaluating each customer’s individual circumstances to ensure good outcomes.
• Making eligibility judgments, approving or rejecting applications, and documenting reasons clearly.
• Responding to Mortgage Intermediary queries regarding applications.
• Ensuring compliance with regulatory standards, policies, procedures, and guidelines.
• Achieving minimum KPI requirements and targets.

What’s on offer?

• Annual KPI Bonus Scheme
• Excellent pension with up to 20% employer contribution
• Life Assurance Scheme
• Group Income Protection
• Generous holidays – 25 days plus up to 12 Bank Holidays
• Day off for your birthday
• Cycle to Work Scheme
• Supportive environment with great exposure
• Training and volunteering opportunities

Note: Successful applicants will undergo pre-employment checks, including credit and criminal record checks (Access NI basic check).

Skills Needed

• CeMap qualification (desired)
• Experience in a fast-paced, customer-focused environment
• Highly organized with the ability to handle high volumes
• Confident in questioning and verifying evidence
• Detail-oriented with strong data accuracy
• Excellent communication skills
• Problem-solving skills
• Good numeracy and proficiency in Microsoft Office
• Ability to learn product details and resolve complex queries
• Ability to work independently and collaboratively
• Minimum 3 years’ mortgage underwriting experience

Closing Date Sunday 6th July, 2025

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