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For Companies At a Glance
- Tasks: Assess and underwrite mortgage applications while ensuring top-notch customer service.
- Company: Join Harpenden Building Society, a community-focused financial institution.
- Benefits: Competitive salary, supportive team environment, and opportunities for professional growth.
- Why this job: Make a real difference in people's lives by helping them secure their dream homes.
- Qualifications: Experience in underwriting and strong analytical skills are essential.
- Other info: Diverse team culture with a commitment to personal development.
The predicted salary is between 36000 - 60000 ÂŁ per year.
To risk assess and underwrite mortgage applications in accordance with the Society’s Lending Policy and risk appetite and to provide the highest level of customer service. Your primary focus is to act in the best interests of our members so that our lending delivers great customer outcomes while achieving the goals in the Society’s Strategic Plan.
Key Responsibilities
- All aspects of credit risk assessment and manual underwriting of mortgage lending applications.
- Act in the best interests of applicants and members.
- Responsible for ensuring that all decisions adhere to the Society’s Lending Policy.
- Act in accordance with any mortgage underwriting mandate you are given.
- Responsible for updating procedures and their continued maintenance.
- Acts as a mentor and trainer for less experienced Underwriters.
- Contribute to process improvement and other underwriting projects.
Knowledge, skill and qualification requirements
- Articulate and persuasive with demonstrable relationship management.
- Capable of thinking “outside of the box” and making responsible lending decisions.
- Very thorough, excellent attention to detail, analytical thinking.
- Underwriting experience and proven competency including complex prime mortgages.
- Good level of understanding of mortgage lending regulation and mortgage market.
- CeMAP Diploma qualified or a desire to study for it.
- Excellent levels of numeracy and literacy.
- Intermediate level experience in Word, Outlook, Excel.
- System and organisational knowledge.
- Assertiveness and challenge.
- Compliance /regulation.
- Problem solving.
- Adaptability and flexibility, Initiative, and pro-activeness.
- Knowledge and understanding of FCA’s PSD and MCOB regulations and its implications to our business.
How to apply
Please apply by submitting your CV and a covering letter if you wish. We are committed to having a diverse team of colleagues - we know it makes us stronger. Please let us know if you would like us to make any adjustments to our standard recruitment process. If you don’t quite fulfill all our knowledge, skill and qualification requirements, but would like a chat, please email us at recruitment@harpendenbs.co.uk.
We regret that we will not be able to reply to applicants who do not progress to the next stage. We would like to thank you for your application and wish you every success in finding a great role soon.
Mortgage Underwriter - Harpenden Building Society employer: Harpenden for Intermediaries
Contact Detail:
Harpenden for Intermediaries Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter - Harpenden Building Society
✨Tip Number 1
Network like a pro! Reach out to current or former employees at Harpenden Building Society on LinkedIn. A friendly chat can give you insider info and maybe even a referral, which can really boost your chances.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of mortgage lending regulations and the Society’s Lending Policy. We want you to show that you’re not just a fit for the role, but that you genuinely care about delivering great customer outcomes.
✨Tip Number 3
Practice your problem-solving skills! Think of real-life scenarios where you had to make tough decisions. Being able to articulate your thought process will impress the interviewers and show them you can think 'outside of the box'.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re serious about joining our team and contributing to our strategic goals.
We think you need these skills to ace Mortgage Underwriter - Harpenden Building Society
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Mortgage Underwriter role. Highlight your underwriting experience and any relevant qualifications, like your CeMAP Diploma. We want to see how your skills align with our Lending Policy and customer service focus.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about mortgage underwriting and how you can contribute to our members' best interests. Keep it concise but persuasive – we love a good story!
Showcase Your Attention to Detail: As an Underwriter, attention to detail is key. In your application, make sure to demonstrate your analytical thinking and thoroughness. Maybe include examples of how you've successfully managed complex mortgage applications in the past.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you don’t miss out on any important updates. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at Harpenden for Intermediaries
✨Know Your Stuff
Make sure you brush up on the Society’s Lending Policy and risk appetite. Understanding these will help you articulate how your experience aligns with their requirements, especially when discussing credit risk assessment and underwriting.
✨Showcase Your Customer Focus
Prepare examples that demonstrate your commitment to acting in the best interests of applicants and members. Highlight situations where you’ve delivered great customer outcomes, as this is key for the role.
✨Be Detail-Oriented
Since attention to detail is crucial for a Mortgage Underwriter, practice discussing your analytical thinking skills. Bring up specific instances where your thoroughness made a difference in your previous roles.
✨Emphasise Adaptability and Problem-Solving
Think of examples where you’ve had to adapt quickly or solve complex problems in your previous underwriting experiences. This will show that you can think 'outside of the box' and make responsible lending decisions.
