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For Companies At a Glance
- Tasks: Manage mortgage applications and make responsible lending decisions.
- Company: Join one of the UK's fastest growing building societies.
- Benefits: Competitive salary, 30+ days holiday, and private medical insurance.
- Why this job: Make a real difference in people's lives while developing your career.
- Qualifications: 3 years' underwriting experience and strong analytical skills.
- Other info: Supportive and inclusive workplace culture with great career growth.
The predicted salary is between 34000 - 42500 £ per year.
We're here to help people live better lives. If you want to be part of an organisation that puts customers first and empowers colleagues to make a real difference, this could be the perfect opportunity for you.
The Opportunity
We are looking for a Mortgage Underwriter to join one of the top 5 fastest growing building societies in the UK. In this role, you'll take ownership of mortgage applications from initial submission through to the issue of a mortgage offer, working within your mandate to make balanced, responsible lending decisions. You'll be at the heart of our mortgage operation - building strong relationships with intermediaries, managing risk, and ensuring our customers receive a fair, efficient, and high-quality service.
What You'll Be Doing
- Managing and underwriting mortgage applications from start to finish, ensuring timely progression to mortgage offer.
- Liaising with mortgage intermediaries, providing Decisions in Principle and communicating outcomes clearly and professionally.
- Ensuring all decisions align with the Society's lending policy, escalating or recommending exceptions where appropriate.
- Delivering excellent service to brokers, customers, and third parties in line with agreed SLAs.
- Approving loans within your mandate and supporting more complex case work such as contract variations or Further Advances.
- Providing feedback on underwriting trends and supporting improvements to policy and process.
- Working collaboratively with colleagues across the business and helping the team meet shared goals.
What You'll Bring
- Minimum three years' Financial Services underwriting experience.
- An existing underwriting mandate in your current role.
- CeMAP qualification (desirable but not essential).
- Strong analytical skills with the ability to make sound, responsible lending decisions.
- Excellent communication skills and confidence in dealing with intermediaries and customers.
- A proactive, team-focused approach and the ability to manage your own workload effectively.
Why Dudley Building Society?
At Dudley Building Society, we value our team and believe in offering a supportive, inclusive, and empowering environment where you can thrive. In return for your expertise we offer:
- 35 hours a week contract
- Salary between £40,000 - £42,500 per annum
- Basic holiday of 30 days + Bank holidays
- Moments that matter days (Think birthdays, weddings + time off for getting the keys to a new house or welcoming a grandchild!)
- Pension contribution of up to 8% of salary
- Life assurance 4x salary
- Full Private Medical Insurance
- Healthcare plan covering some of those day-to-day health bills like your dental and optical bills
- Great career opportunities and continuous professional development
We're recognised as a Great Place to Work, and there's a reason for that. Check out our careers page for more information about what it's like to join The Dudley team, who we are, what drives us, and why you should join.
Diversity and Inclusion
Our workplace culture respects, welcomes, and supports diversity and inclusion, empowering our People to embrace being a fundamental part of everything we are, and everything we aim to be. We treat everyone with the dignity and kindness they deserve, and strive to encourage and celebrate all the things that make each of us unique.
How to Apply
If you're an experienced underwriter looking for your next challenge - and want to work somewhere that values integrity, service, and doing the right thing - we'd love to hear from you. Apply now or contact us for more information.
Mortgage Underwriter in Birmingham employer: Dudley Building Society
Contact Detail:
Dudley Building Society Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter in Birmingham
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector, especially those who work with mortgage underwriting. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by practising common questions related to underwriting. Think about how you can showcase your analytical skills and decision-making process. We want you to shine when it comes to discussing your experience!
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation. It shows your enthusiasm and keeps you fresh in their minds.
✨Tip Number 4
Check out our careers page regularly! We’re always on the lookout for talented individuals like you. Applying directly through our website gives you a better chance to stand out and be part of our amazing team.
We think you need these skills to ace Mortgage Underwriter in Birmingham
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experience that match the Mortgage Underwriter role. Highlight your underwriting experience and any relevant qualifications, like CeMAP, to show us you’re the right fit.
Craft a Compelling Cover Letter: Use your cover letter to tell us why you want to join Dudley Building Society. Share your passion for customer service and how you can contribute to our mission of helping people live better lives.
Showcase Your Analytical Skills: In your application, give examples of how you've made sound lending decisions in the past. We want to see your analytical prowess and how you manage risk effectively.
Apply Through Our Website: We encourage you to apply directly through our careers page. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
How to prepare for a job interview at Dudley Building Society
✨Know Your Numbers
As a Mortgage Underwriter, you'll need to demonstrate strong analytical skills. Brush up on your financial knowledge and be prepared to discuss how you assess risk and make lending decisions. Familiarise yourself with common underwriting metrics and be ready to provide examples from your experience.
✨Showcase Your Communication Skills
You'll be liaising with intermediaries and customers, so it's crucial to communicate clearly and professionally. Practice articulating your thought process when making decisions and how you handle complex cases. This will show that you can maintain strong relationships while delivering excellent service.
✨Understand the Company Culture
Dudley Building Society values diversity and inclusion, so do your homework on their culture. Be ready to discuss how you align with their mission of putting customers first and empowering colleagues. Share examples of how you've contributed to a positive team environment in your previous roles.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that test your decision-making skills. Think about past experiences where you had to make tough lending decisions or manage exceptions. Prepare to explain your rationale and how you ensured compliance with lending policies while still providing great service.