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For Companies At a Glance
- Tasks: Assess and process mortgage applications while managing relationships with brokers and clients.
- Company: Join Together, a leading mortgage provider with over 50 years of experience in helping customers.
- Benefits: Enjoy 26 days holiday, a birthday day off, bonuses, and health perks like private medical insurance.
- Other info: We support diversity and inclusion, ensuring a welcoming workplace for all.
- Why this job: Be part of a diverse team focused on customer success and business growth in a dynamic environment.
- Qualifications: Previous mortgage underwriting experience and strong problem-solving skills are essential.
The predicted salary is between 36000 - 60000 £ per year.
Mortgage Underwriter
Assess high-value and complex cases from customers and brokers to make informed underwriting decisions aligned with company policies, procedures, and lending criteria.
- Evaluate applications, ensuring loans are affordable and sustainable, and provide clear rationale for each decision.
- Offer mortgage proposals in accordance with service level agreements.
- Identify potential fraud at all application stages, ensuring timely investigation, escalation, and reporting to mitigate risks.
- Manage the entire case pipeline, proactively liaising with brokers and third parties to meet SLAs.
- Coordinate with solicitors to obtain necessary documentation before fund disbursement.
- Serve as the main contact for intermediaries, addressing general and case-specific queries.
Qualifications and Skills
- Previous mortgage underwriting experience.
- Ability to make positive lending decisions on unusual cases.
- Capable of working under pressure and tight deadlines.
- Experience in customer dealings.
- Strong objection handling and problem-solving skills.
- Excellent planning, organizational skills, and attention to detail.
Desirable Skills
- Experience managing broker relationships.
- Underwriting experience with bridging and term loans.
Company Overview
We are Together, with over 50 years of helping customers achieve their property ambitions through our straightforward approach to mortgages and secured loans. Based in Cheadle, Cheshire, our 750 colleagues serve customers across the UK, supported by a £7 billion loan book.
Role Summary
As an Underwriter, you will accurately assess and process mortgage and secured loan applications, minimizing risk and ensuring optimal customer outcomes. You will focus on service delivery, adhering to lending criteria, policies, and procedures, while managing relationships proactively to foster future business growth.
Additional Information
We embrace diversity and inclusion, supporting colleagues through reasonable adjustments during recruitment. All successful candidates will undergo employment references, financial, and criminal record checks.
Benefits
- 26 days holiday plus a day off for your birthday, increasing with service, plus bank holidays.
- Access to company holiday homes, buy & sell holiday options.
- Discretionary annual bonus and Shared Reward Bonus.
- Matched pension contributions.
- Health cash plan, private medical insurance, life assurance, and critical illness cover.
- Travel season ticket loans, Ride to Work scheme, free local gym access, and discounts at local bars/restaurants.
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Mortgage Underwriter employer: Together Limited
Contact Detail:
Together 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 policies. Understanding the nuances of lending criteria will help you demonstrate your expertise during interviews and discussions.
✨Tip Number 2
Network with professionals in the mortgage industry, especially those who work as underwriters or brokers. Building these connections can provide valuable insights and potentially lead to referrals for job openings.
✨Tip Number 3
Prepare to discuss specific cases you've handled in the past, particularly those that involved complex decisions or unusual circumstances. This will showcase your problem-solving skills and ability to work under pressure.
✨Tip Number 4
Stay updated on market trends and potential fraud indicators in mortgage applications. Being knowledgeable about current risks will position you as a proactive candidate who can contribute to the company's risk management efforts.
We think you need these skills to ace Mortgage Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your previous mortgage underwriting experience and any relevant skills. Emphasise your ability to make informed lending decisions, manage broker relationships, and handle complex cases.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Mention specific experiences where you've successfully assessed high-value applications or identified potential fraud, demonstrating your problem-solving skills.
Showcase Relevant Skills: In your application, clearly outline your planning and organisational skills. Provide examples of how you've worked under pressure and met tight deadlines in previous roles, as these are crucial for the Mortgage Underwriter position.
Proofread Your Application: Before submitting, carefully proofread your application for any errors or inconsistencies. A well-presented application reflects attention to detail, which is essential for the role of an Underwriter.
How to prepare for a job interview at Together Limited
✨Showcase Your Underwriting Experience
Make sure to highlight your previous mortgage underwriting experience during the interview. Be prepared to discuss specific cases you've handled, particularly any unusual or complex situations, and how you made informed decisions based on company policies.
✨Demonstrate Problem-Solving Skills
Prepare examples that showcase your strong objection handling and problem-solving skills. Discuss scenarios where you successfully navigated challenges in the underwriting process, as this will demonstrate your ability to work under pressure and meet tight deadlines.
✨Understand the Company’s Values
Familiarise yourself with Together's approach to mortgages and secured loans. Understanding their commitment to customer service and risk management will help you align your answers with their values, showing that you're a good fit for the team.
✨Prepare Questions for the Interviewers
Have a few thoughtful questions ready to ask your interviewers. This could include inquiries about their expectations for the role, how they manage broker relationships, or what success looks like for an Underwriter at Together. It shows your interest and engagement.