Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Review mortgage applications and assess eligibility with precision.
- Company: Join a leading financial organisation known for exceptional customer service in Northern Ireland.
- Benefits: Enjoy hybrid working, competitive salary, generous holidays, and a fantastic pension scheme.
- Why this job: Be part of a supportive team that values inclusion and offers growth opportunities.
- Qualifications: Experience in underwriting and strong analytical skills are essential.
- Other info: Flexible working after training, plus a day off for your birthday!
The predicted salary is between 28800 - 43200 £ per year.
Mortgage Underwriter
Part time – Full time availability
Inclusion IQ is thrilled to be partnering with our clients who operate within the financial sector. They are a leading home-grown organisation with an outstanding legacy of customer service excellence across Northern Ireland. For generations, they\’ve been the trusted partner for local people, expertly guiding them through their savings and mortgage journeys with a truly personal and caring approach. With a solid high street presence combined with significant growth ambitions their clear goal is to be the mortgage provider of choice.
They champion Inclusion and believe in fostering an environment where you feel supported and valued. They embrace the flexibility of hybrid working and upon successful completion of your training and probation, you balance 2 days in their vibrant office with the remaining days working from the comfort of your own home. This is an exceptional opportunity for an experienced underwriting professional to join a forward-thinking and highly successful team.
Key Responsibilities
-
Efficiently complete and meticulously review mortgage applications, examining all supporting documentation to verify accuracy and ensure completeness.
-
Conduct thorough analysis of applicants\’ credit history and financial information to accurately assess eligibility and affordability.
-
Critically analyse the inherent risks within each application, proactively requesting additional information as necessary.
-
Vigilantly identify any signs of suspicious or fraudulent activity to protect both the customer and the Society.
-
Assess every customer\’s individual circumstances and the evidence presented, consistently striving for positive and fair customer outcomes.
-
Utilise your sharp analytical skills, to make well-reasoned mortgage lending judgements, sanctioning or declining applications.
-
Document and effectively communicate the rationale behind all application approvals or rejections to relevant stakeholders.
-
Act as a key point of contact for Mortgage Intermediaries, Branches, and internal Society teams, promptly addressing queries regarding the mortgage application process.
-
Ensure unwavering compliance with all regulatory standards, internal mortgage policies, procedures, and guidelines, including AML (Anti-Money Laundering) and KYC principles.
-
Contribute to the achievement of minimum KPI requirements and targets, playing a vital role in the team\’s overall success.
Benefits
-
Competitive Salary
-
Hybrid Working
-
Annual KPI Bonus Scheme
-
Excellent Pension with an impressive employer contribution of up to 20%
-
Life Assurance Scheme
-
Group Income Protection
-
Health Cash Plan for money back on dental, optical, and other healthcare costs
-
Generous Holidays: 25 days, plus up to 12 Bank Holidays
-
Day off for your Birthday!
-
Holiday Purchase Scheme
-
Cycle to Work Scheme
-
supportive and collaborative environment environment
-
Excellent training and development opportunities, including potential for professional qualifications
-
Dedicated volunteering opportunities to give back to the community
(Successful applicants will be subject to our pre employment checks. These include credit checks , criminal record checks , Access NI basic check)
#J-18808-Ljbffr
Mortgage Underwriter Full-time /Part-time employer: Inclusion IQ LTD
Contact Detail:
Inclusion IQ LTD Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter Full-time /Part-time
✨Tip Number 1
Familiarise yourself with the specific mortgage products and services offered by the company. Understanding their unique selling points and customer service approach will help you align your responses during interviews and demonstrate your genuine interest in their operations.
✨Tip Number 2
Network with current or former employees of the organisation on platforms like LinkedIn. Engaging with them can provide you with insider knowledge about the company culture and expectations, which can be invaluable during your application process.
✨Tip Number 3
Brush up on your knowledge of regulatory standards and compliance related to mortgage underwriting. Being well-versed in AML and KYC principles will not only boost your confidence but also show potential employers that you are serious about maintaining high standards.
✨Tip Number 4
Prepare for situational interview questions by thinking of examples from your past experience where you successfully assessed risk or handled complex applications. This will help you articulate your analytical skills and decision-making process effectively during the interview.
We think you need these skills to ace Mortgage Underwriter Full-time /Part-time
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Mortgage Underwriter. Familiarise yourself with the key tasks mentioned in the job description, such as reviewing mortgage applications and assessing credit history.
Tailor Your CV: Customise your CV to highlight relevant experience in underwriting or financial analysis. Emphasise any specific skills that align with the job requirements, such as attention to detail and analytical abilities.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the role and the company. Mention your understanding of their commitment to customer service and inclusion, and explain how your background makes you a great fit for their team.
Proofread Your Application: Before submitting, carefully proofread your application materials. Check for any spelling or grammatical errors, and ensure that all information is accurate and clearly presented.
How to prepare for a job interview at Inclusion IQ LTD
✨Understand the Role
Make sure you thoroughly understand the responsibilities of a Mortgage Underwriter. Familiarise yourself with the key tasks such as reviewing mortgage applications, assessing credit history, and ensuring compliance with regulations. This knowledge will help you answer questions confidently.
✨Showcase Your Analytical Skills
Since the role requires sharp analytical skills, be prepared to discuss your experience in analysing financial information and making lending judgements. Use specific examples from your past work to demonstrate how you've successfully assessed risks and made informed decisions.
✨Prepare for Compliance Questions
Given the importance of regulatory standards in this role, expect questions about AML (Anti-Money Laundering) and KYC (Know Your Customer) principles. Brush up on these topics and be ready to explain how you ensure compliance in your work.
✨Emphasise Customer Outcomes
The company values positive and fair customer outcomes, so be ready to discuss how you approach customer interactions. Share examples of how you've balanced risk assessment with providing excellent service, highlighting your commitment to supporting customers through their mortgage journeys.
