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- Tasks: Join us as a Mortgage Underwriter, analysing mortgage applications and ensuring top-notch customer service.
- Company: We're a specialist lender focused on providing exceptional service to our clients and partners.
- Benefits: Enjoy flexible working, generous leave, private medical insurance, and an 11% pension scheme from day one.
- Why this job: Be part of a dynamic team, enhance your skills, and make a real impact in the finance sector.
- Qualifications: Previous underwriting experience and strong communication skills are essential; CeMAP is a plus.
- Other info: Work from home two days a week after probation and enjoy opportunities for personal development.
The predicted salary is between 36000 - 60000 £ per year.
Location: Manchester, with flexibility to work from home 2 days a week once probation is passed
Salary: Depending on experience
Benefits:
- 11% non-contributory pension scheme from day 1
- 25 days annual leave, increasing with service
- Annual leave purchase scheme, up to 5 additional days per year
- Private Medical Insurance
- Annual Discretionary Bonus
- Free Annual Flu Jabs
- Enhanced Company sick pay, increasing with service
- Income protection scheme
- Enhanced Maternity and Paternity leave and pay
- 2 paid days to volunteer each year
- Electric Vehicle Salary Sacrifice Scheme
- Retailer discount and cashback platform
About the role:
We have an exciting opportunity for a Mortgage Underwriter to join a specialist intermediary only lender. The successful candidate will be required to provide a professional, efficient, and high standard of customer service to customers, intermediaries, valuers, and solicitors. Holding a lending mandate, the role will focus on accurately analysing and understanding key elements of all mortgage applications at every level of the process through to offer, whilst ensuring adherence to all policies, procedures and regulatory guidelines.
Responsibilities:
- Work to agreed objectives, service standards and deliverables.
- Ensure relevant documentation and information received is checked for adherence to policy and criteria.
- Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.
- Provide a prompt reply to all written correspondence.
- Develop positive working relationships with colleagues.
- Make suggestions for improvements to processes to enhance service and efficiency.
- Adhere to internal/external compliance, credit review and audit requirements.
- Apply all aspects of the desired consumer outcomes of Treating the Customer Fairly (TCF).
- Use initiative to resolve queries outside own area of expertise.
- Train and mentor new team members.
- Take responsibility for your own learning and development.
- All other associated duties and responsibilities and carry out any tasks as required by management.
Experience required:
- Previous experience as a manual Mortgage Underwriter.
- Currently holding a lending mandate.
- Proven ability to exercise good commercial and professional judgment.
- Excellent communication skills, both written and verbal.
- PC literate with a good knowledge of Microsoft Office products including Word, Excel, PowerPoint, and Outlook.
- CeMAP preferred or a willingness to study.
For more information regarding the role, please contact us.
Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.
Mortgage Underwriter employer: Stellar Select Limited
Contact Detail:
Stellar Select Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter
✨Tip Number 1
Familiarise yourself with the latest mortgage underwriting guidelines and regulations. This will not only help you understand the role better but also demonstrate your commitment to staying updated in the field.
✨Tip Number 2
Network with professionals in the mortgage industry, especially those who are currently working as underwriters. Engaging in conversations can provide insights into the role and may even lead to referrals.
✨Tip Number 3
Prepare for potential interview questions by practising your responses to common scenarios faced by mortgage underwriters. This will help you articulate your experience and problem-solving skills effectively.
✨Tip Number 4
Showcase your customer service skills during the application process. Since the role involves dealing with customers and intermediaries, highlighting your ability to communicate clearly and professionally will set you apart.
We think you need these skills to ace Mortgage Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience as a Mortgage Underwriter. Focus on your previous roles, especially those involving manual underwriting and lending mandates. Use keywords from the job description to catch the employer's attention.
Craft a Strong Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Mention your experience in analysing mortgage applications and your commitment to delivering excellent customer service. Personalise it to reflect why you want to work specifically for this lender.
Highlight Relevant Skills: In your application, emphasise your communication skills, both written and verbal, as well as your proficiency with Microsoft Office products. If you have CeMAP certification or are willing to study for it, make sure to mention that too.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any spelling or grammatical errors. A polished application reflects your attention to detail, which is crucial for a Mortgage Underwriter.
How to prepare for a job interview at Stellar Select Limited
✨Know Your Mortgage Basics
Brush up on your knowledge of mortgage underwriting principles and processes. Be prepared to discuss how you analyse applications and ensure compliance with policies and regulations.
✨Demonstrate Customer Service Skills
Since the role involves providing excellent customer service, think of examples from your past experiences where you effectively handled queries or improved customer satisfaction. This will show your ability to meet the company's service standards.
✨Showcase Your Communication Skills
Prepare to demonstrate your written and verbal communication skills during the interview. You might be asked to explain complex concepts clearly, so practice articulating your thoughts in a concise manner.
✨Be Ready for Scenario Questions
Expect scenario-based questions that assess your problem-solving abilities and judgement. Think about situations where you had to make tough decisions or resolve issues outside your expertise, and be ready to share those experiences.
