Underwriter The Mortgage Lender Retail Mortgage Brand Glasgow, GB Published on March 13, 2025

To process and case manage new mortgage applications (Residential & Buy to Let), received from selected intermediaries in accordance with the company’s Lending Policy and service standards. To demonstrate sound decision making and document the rationale for acceptance. Reporting to the Underwriting Team Leader.

Key Responsibilities

• Ensuring that all applications and/or associated documents received into the department are processed accurately and in a timely manner meeting the department service levels.
• Assess the mortgage application and supporting documents in line with the company’s Lending Policy.
• Review information provided by the Credit Reference Agencies and other support partners including anti-fraud agencies, ensuring a full understanding of the applicant’s credit/risk profile.
• Review and approve the applicants overall affordability results.
• Instruct property valuers to undertake property valuation. Once received, review valuation and assess the key variables including comparables provided.
• The preparation of mortgage offers is a key function and underwriters will have an understanding of the legal implications of any mortgage conditions applied to the offer.
• Underwriters will have a full knowledge of the Mortgage Application System and utilise the system to ensure all mortgage applications are processed in line with the company’s service standards.
• Underwriters will liaise directly with intermediaries on the application ensuring information requested is received as well as providing an excellent level of service to the intermediary.
• Recommends loans to the Underwriting Manager where they fall outside of the lending mandate held, providing an appropriate rationale.
• Consider and apply the principles of Consumer Duty throughout the application process.

The Person

• Proven underwriting experience within the secured lending or residential or commercial mortgage market.
• Understanding of the regulatory environment and in particular focused on Customer Outcomes.
• Experience of dealing with brokers and third parties.
• Technology skills - including MS Excel and Word.
• Excellent communication skills.
• Attention to detail.
• Ability to work under pressure and to strict deadlines.
• Strong planning and problem-solving skills.

The Opportunity

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainty we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders. We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers. The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.

If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person. Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world.
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture.
• Enjoy finding new and better ways to solve complexity and make things happen.
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups.
• Care about society and the environment and want to be part of a business that cares too.
• Want to continue to grow professionally and be the best version of yourself.

Reward Your Wellbeing

We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment.
• Free access to Headspace, a mindfulness & meditation digital health app.
• Free access to Peppy digital health app that offers personalised support through fertility treatment, becoming a parent or menopause.
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health.
• Cycle to work scheme.
• Discounts on gym membership.
• Contributory pension scheme & death in service.

Your Lifestyle

It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year.
• Option to buy or sell holiday days through our flexi-holiday scheme.
• Discounts on gym membership nationwide.
• Access to discounts on a range of high street and online brands.
• Community support and charitable giving.

Your Contribution

We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success.
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done.