At a Glance
- Tasks: Assess and underwrite mortgage applications, ensuring compliance and risk standards.
- Company: Positive Lending, a leading property finance broker with a strong team and values.
- Benefits: Hybrid working, competitive salary, and opportunities for professional growth.
- Other info: Collaborative environment with a focus on customer outcomes and compliance.
- Why this job: Join a dynamic team and make a real impact in the mortgage industry.
- Qualifications: Experience in mortgage underwriting and strong analytical skills required.
The predicted salary is between 40000 - 50000 £ per year.
Company Description
Positive Lending is a specialist property finance broker established in 2008, focused on delivering excellent customer outcomes and genuine value to financial intermediaries.
With a team of over 40 finance professionals and more than £1bn in arranged mortgages, the company supports thousands of intermediaries and their clients in securing suitable loan solutions.
The team brings over 300 years of combined experience from leading blue‑chip financial institutions, ensuring consistent expertise and high‑quality service.
Positive Lending offers whole‑of‑market access in its areas of specialism, leveraging strong lender relationships and substantial intermediary distribution power.
Directly authorised by the Financial Conduct Authority, the company maintains a progressive, compliance‑driven culture and a commitment to a positive customer journey.
Role Description
This is a full‑time, hybrid role for Experienced Mortgage Underwriters based in Ringwood, with some work‑from‑home flexibility.
The role involves assessing and underwriting a range of mortgage applications, ensuring that each case meets lending criteria, regulatory requirements, and internal risk standards.
Day‑to‑day responsibilities include reviewing documentation, performing affordability and credit risk assessments, analysing complex income and property structures, and making responsible lending decisions.
The underwriters will liaise with brokers, lenders, and internal teams to clarify requirements, resolve queries, and progress cases efficiently.
The role also includes maintaining accurate records, contributing to continuous process improvement, and supporting a strong compliance and customer‑outcome focus.
Qualifications
- Strong knowledge of the
- Mortgage Industry
, including products, regulatory environment, and intermediary‑led distribution.
- Proven experience in
- Mortgage Underwriting
, with a track record of managing complex or specialist cases.
- Practical experience working with a range of
- Mortgages
, including residential, buy‑to‑let, and specialist property finance.
- Advanced
Analytical Skills for assessing risk, interpreting financial information, and making sound credit decisions.
- Excellent attention to detail and accuracy in documentation and case management.
- Strong communication and collaboration skills for working with brokers, lenders, and internal stakeholders.
- Comfort with hybrid working, including the ability to manage workload independently and meet deadlines.
- Familiarity with FCA regulations and best practices in compliant underwriting; relevant professional qualifications (e. g., Ce MAP or equivalent) are an advantage.
- Previous experience in a specialist brokerage or lender underwriting environment is highly beneficial.
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Experienced Mortgage Underwriters in Ringwood employer: Positive Lending
Positive Lending is an exceptional employer that prioritises employee growth and a supportive work culture, making it an ideal place for Experienced Mortgage Underwriters. Located in Ringwood, the company offers a hybrid working model, allowing flexibility while fostering collaboration among a team of seasoned professionals. With a commitment to compliance and customer satisfaction, employees benefit from ongoing training opportunities and the chance to work with leading financial institutions, ensuring a rewarding career path in the mortgage industry.
