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- Tasks: Assess and underwrite mortgage applications, making independent lending decisions.
- Company: Dynamic company in a high-growth phase with a supportive culture.
- Benefits: Up to £45,000 salary, bonus, private medical, and 33 days paid time off.
- Why this job: Join a fast-paced team and advance your career in specialist lending.
- Qualifications: Experience in manual underwriting for Residential or Buy-to-Let mortgages.
- Other info: Flexible hybrid working and excellent career development opportunities.
Location: Buckinghamshire Hybrid 3 days WFH
Salary: Up to £45,000 depending on experience
Hours: Monday to Friday 9 am to 5 pm
Benefits:
- Bonus: Up to 10% based on performance
- Life Insurance: Up to 4x salary
- Private Medical: Vitality cover for you & your family
- Hybrid Working: 3 days from home, flexible options
- Paid Time Off: 33 days, including holidays, enhanced parental leave, and emergency leave
- Pension: Competitive employer contributions
- Wellbeing: Mental & physical health support
- Culture & Growth: Inclusive, supportive team with training, career development, and clear progression paths
About the role:
We are looking for experienced Mortgage Underwriters with a specialist lending background and strong manual underwriting experience, covering Buy-to-Let or Residential mortgages. This is a fast-paced, high-volume role in a business currently in a high-growth phase, offering superb opportunities for ambitious underwriters to progress their careers. You will manage applications from start to finish, make independent lending decisions on complex cases, and work within a collaborative, results-driven team.
Responsibilities:
- Assess and underwrite Buy-to-Let and Residential mortgage applications from receipt to completion.
- Make independent lending decisions in line with credit policies and regulatory requirements.
- Review borrower creditworthiness, affordability, and risk factors, applying sound judgment.
- Maintain accurate records and ensure high levels of compliance throughout the process.
- Handle complex cases and post-offer queries efficiently.
- Support and collaborate with underwriting peers and management to deliver excellent service.
- Contribute to process improvement initiatives and operational efficiency.
- Work within a fast-paced, high-volume environment, managing multiple cases effectively.
Experience required:
- Proven experience in specialist lending.
- Strong manual underwriting experience in Residential and/or Buy-to-Let mortgages.
- Ability to assess credit risk, make independent lending decisions, and manage complex cases.
- Knowledge of regulatory requirements (AML, FCA) and strong attention to detail.
- Confident working in a fast-paced, high-volume environment.
Mortgage Underwriter in Amersham employer: Stellar Select
Contact Detail:
Stellar Select Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter in Amersham
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry and let them know you're on the hunt for a Mortgage Underwriter role. 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 brushing up on your manual underwriting skills and understanding the latest trends in specialist lending. We recommend practising common interview questions and scenarios related to Buy-to-Let and Residential mortgages to show off your expertise.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for opportunities that fit your experience and aspirations, and tailor your approach to each company’s culture.
✨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 for the Mortgage Underwriter position.
We think you need these skills to ace Mortgage Underwriter in Amersham
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Mortgage Underwriter role. Highlight your experience in specialist lending and manual underwriting, as these are key for us. Use specific examples that showcase your skills in assessing credit risk and managing complex cases.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Tell us why you're passionate about the role and how your background fits with our needs. Mention your experience with Buy-to-Let or Residential mortgages and how you can contribute to our fast-paced team.
Showcase Your Attention to Detail: As an underwriter, attention to detail is crucial. In your application, make sure to demonstrate this skill. Whether it’s through your CV formatting or the clarity of your cover letter, we want to see that you can maintain high levels of compliance and accuracy.
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’s super easy and straightforward!
How to prepare for a job interview at Stellar Select
✨Know Your Stuff
Make sure you brush up on your knowledge of Buy-to-Let and Residential mortgages. Understand the key differences, current market trends, and regulatory requirements like AML and FCA. This will show that you're not just experienced but also genuinely interested in the role.
✨Showcase Your Decision-Making Skills
Prepare to discuss specific examples where you've made independent lending decisions. Think about complex cases you've handled and how you assessed creditworthiness and risk factors. This will demonstrate your ability to think critically under pressure.
✨Be Ready for Scenario Questions
Expect questions that put you in hypothetical situations related to underwriting. Practice articulating how you would handle various scenarios, especially those involving complex cases or compliance issues. This will highlight your problem-solving skills and attention to detail.
✨Emphasise Team Collaboration
Since the role involves working within a collaborative team, be prepared to discuss how you've supported peers in previous roles. Share examples of how you've contributed to process improvements or operational efficiency, showcasing your ability to work well with others.
