At a Glance
- Tasks: Underwrite mortgage applications and ensure compliance with lending policies.
- Company: Join a leading home-grown organisation known for customer service excellence.
- Benefits: Enjoy a competitive salary, hybrid working, and generous holidays.
- Other info: Collaborative team environment with excellent career growth opportunities.
- Why this job: Make a real impact in helping people achieve their homeownership dreams.
- Qualifications: Experience in mortgage underwriting and strong attention to detail required.
The predicted salary is between 30000 - 40000 £ per year.
Who are We
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 brings 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 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 Process Manager, the role has the aim of helping our branches and brokers deliver a high quality service that supports the achievement of our ambitious growth plans. With an eye for detail and strong people skills, you will bring your significant underwriting experience to the role, enabling you to quickly get up to speed with handling multiple cases to expected standards in accordance with our Lending and mortgage related policies, TMF principles, regulatory requirements and FCA responsible lending best practice. If you are passionate about serving our mortgage customers and ensuring customer experience excellence in a competitive landscape, then we want to hear from you. In return you will have the opportunity to work flexibly within a hybrid arrangement and continue to grow your knowledge and competency in a collaborative team environment.
Responsibilities include:
- Underwrite and assess mortgage applications in line with lending policy, risk appetite, and regulatory requirements.
- Process applications efficiently, completing credit, affordability, and risk assessments with accuracy and attention to detail.
- Identify, challenge, and escalate complex or outside of policy cases, ensuring robust decision making and clear audit trails.
- Liaise with internal teams, intermediaries, and valuers to progress cases and resolve queries effectively.
- Prepare, approve, and issue mortgage offers and conditions, ensuring the Society's interests are protected.
- Maintain accurate records of applications, actions, and customer communications on mortgage systems.
- Meet agreed KPIs and service standards while delivering a high level of customer and broker service.
- Ensure full compliance with FCA regulations, MCOB rules, internal policies, and Treating Customers Fairly principles.
What's on offer?
- Competitive salary
- Hybrid working model
- Annual KPI Bonus Scheme
- Excellent pension with up to 20% employer pension contribution
- Life Assurance Scheme
- Group Income Protection
- Health cash plan for money back on dental, optical costs etc
- Generous holidays - 25 days plus up to 12
Mortgage Underwriter TLNT1_NI in Belfast employer: Progressive Building Society
Progressive is an exceptional employer that prioritises a nurturing and inclusive work environment, allowing employees to bring their whole selves to work. With a strong commitment to employee growth, we offer flexible hybrid working arrangements, competitive salaries, and generous benefits including a robust pension scheme and health cash plan. Join us in our mission to provide outstanding customer service while enjoying a collaborative team culture in the heart of Northern Ireland.
Contact Details:
Progressive Building Society Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter TLNT1_NI in Belfast
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, attend local events, and join relevant online groups. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching Progressive and understanding their values. Be ready to discuss how your experience aligns with their commitment to customer service excellence and how you can contribute to their ambitious growth plans.
✨Tip Number 3
Practice your responses to common interview questions, especially those related to underwriting and risk assessment. Use the STAR method (Situation, Task, Action, Result) to structure your answers and showcase your skills effectively.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in being part of the Progressive team.
We think you need these skills to ace Mortgage Underwriter TLNT1_NI in Belfast
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Mortgage Underwriter role. Highlight your relevant experience and skills that match the job description, especially your underwriting experience and attention to detail.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to express your passion for customer service excellence and how you can contribute to our ambitious growth plans. Keep it personal and engaging.
Showcase Your People Skills:Since this role involves liaising with various teams and brokers, don’t forget to showcase your strong people skills in your application. Share examples of how you've effectively communicated and resolved queries in the past.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get to know you better!
How to prepare for a job interview at Progressive Building Society
✨Know Your Stuff
Make sure you brush up on mortgage underwriting principles and the specific policies of the company. Familiarise yourself with FCA regulations and MCOB rules, as these will likely come up during your interview.
✨Showcase Your People Skills
Since this role involves liaising with various teams and brokers, be prepared to discuss how you've effectively communicated and resolved issues in past roles. Share specific examples that highlight your strong interpersonal skills.
✨Demonstrate Attention to Detail
Prepare to discuss how you ensure accuracy in your work. You might be asked about your process for assessing applications or handling complex cases, so have a clear example ready that showcases your meticulous approach.
✨Ask Insightful Questions
At the end of the interview, don’t shy away from asking questions. Inquire about the team dynamics, growth opportunities, or how the company supports its employees in achieving KPIs. This shows your genuine interest in the role and the organisation.
