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- Tasks: Deliver exceptional mortgage underwriting decisions while prioritising customer satisfaction.
- Company: Join a forward-thinking organisation that values your expertise and impact.
- Benefits: Competitive salary, professional development, and a supportive team environment.
- Why this job: Make a real difference in people's lives through sound lending decisions.
- Qualifications: Experience in mortgage underwriting and strong decision-making skills.
- Other info: Dynamic role with opportunities for continuous learning and career growth.
The predicted salary is between 28800 - 48000 £ per year.
Are you an experienced Mortgage Underwriter looking to join a forward-thinking organisation where your expertise truly makes a difference? Our client is looking for a dynamic, detail-driven professional to deliver exceptional underwriting decisions while putting customers at the heart of everything you do.
Job Overview
Purpose of the Role
To consistently provide an effective and efficient mortgage underwriting service from application to completion. You will underwrite mortgage applications within lending policy and your approved mandate, delivering exceptional professional service to all parties involved in the mortgage origination process - always putting the customer first and adhering to Consumer Duty requirements.
Key Accountabilities
- Maintain the quality of the overall mortgage book by exercising your underwriting mandate with strong credit assessment skills.
- Ensure all applications are underwritten in line with internal policies, procedures, criteria, and regulatory guidelines.
- Provide well-reasoned recommendations for cases outside of mandate, with robust documented rationale.
- Build and maintain strong relationships with internal teams and external partners including packagers, brokers and solicitors.
- Meet key performance indicators and agreed service levels.
- Demonstrate proactive communication and strong organisational skills to achieve stretching targets.
- Maintain up-to-date knowledge of market, financial, and regulatory requirements.
- Take ownership of personal development and continuous learning.
- Handle telephone calls confidently, including B2B communication.
- Assess Decision in Principle (DIP) and full mortgage applications through all key stages.
- Support the Manager with additional tasks and activities as required.
About You
You’re a confident and experienced underwriter who thrives in a fast-paced environment and enjoys making sound, evidence-based lending decisions.
Essential Experience & Skills
- Held an underwriting mandate within a commercial or mortgage environment.
- Experience in specialist lending, including complex structures and specialist property types such as HMO, MUBs, STLs, and Limited Company borrowing.
- Strong understanding of all stages of the mortgage application process.
- Knowledge of the regulatory landscape including DPA, Money Laundering, TCF, MCOB, Fraud awareness and Consumer Duty.
- Excellent decision-making and organisational skills.
- Ability to work to strict deadlines while maintaining productivity and accuracy.
- Adaptable, flexible and customer-focused.
- Strong team player with a positive, approachable attitude.
- Confident communicator who remains calm under pressure.
- PC literate with Microsoft Office and Outlook.
Desirable
- CeMAP qualified (or willing to study towards qualification).
- Experience within Financial Services and awareness of Consumer Duty (CD), Treating Customers Fairly (TCF) and ESG frameworks.
Please note: As you can appreciate we are currently overwhelmed with applications of individuals looking for both short term and permanent work and we can therefore only contact those applications that have relevant skills for positions that we currently have available. Should you not hear from us within a week, please assume you have been unsuccessful on this occasion. In line with GDPR regulations, we are making you aware that to proceed with your application we will need to contact you via email, telephone and/or text message. To receive future job alerts from us, you will be required to provide consent within our marketing preference options. The link will be provided in an email to you. Source4 are an equal opportunities employer and complies with all relevant UK legislation. If you are successful in your application, you will be required to attend a full registration with one of our Consultants which will involve you providing a current passport, any relevant visas, a proof of address and completing relevant tests and a full competency based interview.
Underwriter in Bracknell employer: Source 4
Contact Detail:
Source 4 Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in Bracknell
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry and let them know you're on the lookout for new opportunities. You never know who might have a lead or be able to refer you to a hiring manager.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of the mortgage application process and regulatory guidelines. Be ready to discuss how you've successfully navigated complex cases in the past, as this will show your expertise and confidence.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and where you can see yourself thriving. Check out our website for openings that match your skills and interests, and make sure to tailor your approach to each role.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. It shows your enthusiasm for the role and gives you another chance to highlight why you're the perfect fit.
We think you need these skills to ace Underwriter in Bracknell
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience in mortgage underwriting and any relevant skills that match the job description. We want to see how your background aligns with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how you put customers at the heart of your decisions. We love seeing genuine enthusiasm and a personal touch.
Showcase Your Skills: Don’t forget to highlight your strong decision-making and organisational skills. Mention specific examples where you've successfully managed complex applications or met tight deadlines. We appreciate candidates who can demonstrate their expertise!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it makes the process smoother for everyone involved!
How to prepare for a job interview at Source 4
✨Know Your Underwriting Inside Out
Make sure you brush up on your knowledge of the mortgage application process and the specific lending policies of the company. Being able to discuss your experience with complex structures and specialist property types will show that you're not just familiar with the basics, but that you can handle the intricacies of underwriting.
✨Demonstrate Customer-Centric Thinking
Since the role emphasises putting customers at the heart of everything, prepare examples of how you've prioritised customer needs in your previous roles. Think about situations where your decisions positively impacted clients and how you adhered to Consumer Duty requirements.
✨Showcase Your Decision-Making Skills
Be ready to discuss your approach to making sound, evidence-based lending decisions. Prepare to explain your rationale for cases that fell outside your mandate, as this will highlight your critical thinking and ability to document robust recommendations.
✨Communicate Confidently and Clearly
Practice your communication skills, especially for B2B interactions. You might be asked to handle hypothetical scenarios during the interview, so being calm and articulate under pressure will demonstrate your confidence and professionalism.