At a Glance
- Tasks: Assess mortgage applications and manage customer relationships to ensure smooth processing.
- Company: Join Together, a leading mortgage provider with over 50 years of experience.
- Benefits: Enjoy 26 days holiday, health plans, gym access, and a bonus scheme.
- Other info: Diverse and inclusive workplace with excellent career growth opportunities.
- Why this job: Make a real impact by helping people achieve their property dreams.
- Qualifications: Previous underwriting experience and strong problem-solving skills required.
The predicted salary is between 35000 - 45000 € per year.
Benefits:
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
- Free access to company holiday homes
- Buy & sell holidays
- Discretionary annual bonus plus an additional Shared Reward Bonus
- Matched pension contribution
- Health cash plan plus Private medical insurance
- Life assurance and Critical illness cover
- Travel season ticket loans and Ride to work scheme
- Free local gym access
- Local bar / restaurant discounts
Company Description:
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans. We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
Job Description:
As an Underwriter, you will accurately underwrite, mandate and complete mortgage and secured loan applications to ensure that we minimise risk to the business and reach the right customer outcome. Focusing on service delivery by following group lending criteria, policies and procedures, you will proactively manage customer and broker relationships whilst delivering a seamless level of service to increase future business.
As an Underwriter, we are looking for someone to:
- Assess all higher value and complex cases from direct customers and broker intermediaries to make informed underwriting decisions that are in line with company policies, procedures and lending criteria
- Assess the risk and provide a rationale on each application ensuring that the loan is affordable, and sustainable
- Provide mortgage offers in accordance with agreed service levels
- Identify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customer
- Manage the end-to-end pipeline of cases for both pre‑ and post‑offer, using a proactive approach in managing brokers and third parties to ensure Service Level Agreements (SLAs) are met
- Liaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
- Act as a point of contact for intermediaries to answer their general and case specific queries
Qualifications:
Essential:
- Previous underwriting experience
- Ability to make positive lending decisions on business unusual cases
- Ability to work under pressure and to strict deadlines
- Experience of dealing with customers
- Possess strong objection handling and problem solving skills
- Strong planning and organisational skills
- Excellent attention to detail
Desirable:
- Mortgage underwriting experience
- Experience of managing mortgage broker relationships
- Underwriting experience of bridging and term loans
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
Mortgage Underwriter in Cheadle employer: Together - Loans, Mortgages & Finance
At Together, we pride ourselves on being an exceptional employer, offering a supportive work culture that values diversity and inclusion. Our Cheadle location provides employees with generous benefits such as 26 days of holiday plus a day off for your birthday, access to company holiday homes, and a range of health and wellness perks, all while fostering professional growth through meaningful work in the mortgage sector.
Contact Detail:
Together - Loans, Mortgages & Finance Recruiting Team
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter in Cheadle
✨Network Like a Pro
Get out there and connect with people in the mortgage industry! Attend local events, join online forums, or even hit up LinkedIn. The more you chat with folks, the better your chances of hearing about job openings before they’re even advertised.
✨Ace the Interview
When you land that interview, be ready to showcase your underwriting skills! Prepare examples of how you've handled complex cases or managed broker relationships. Show them you can think on your feet and make those informed decisions they’re looking for.
✨Follow Up
After your interview, don’t just sit back and wait! Shoot a quick thank-you email to your interviewer, reiterating your interest in the role. It shows you’re keen and keeps you fresh in their minds.
✨Apply Through Our Website
Don’t forget to check out our website for the latest job openings! Applying directly through us not only makes it easier but also shows you’re genuinely interested in being part of the Together team. Let’s get you that dream job!
We think you need these skills to ace Mortgage Underwriter in Cheadle
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Mortgage Underwriter role. Highlight your previous underwriting experience and any relevant skills that match the job description. We want to see how you can bring your unique flair to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about underwriting and how your experience aligns with our values at Together. Keep it friendly and professional – we love a personal touch!
Showcase Your Problem-Solving Skills:In your application, don’t forget to mention specific examples of how you've handled complex cases or resolved issues in the past. We’re all about making informed decisions, so show us how you’ve done that before!
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 – just a few clicks and you’re on your way to joining our fantastic team!
How to prepare for a job interview at Together - Loans, Mortgages & Finance
✨Know Your Stuff
Make sure you brush up on your mortgage underwriting knowledge. Familiarise yourself with the company's lending criteria and policies, as well as any recent changes in the industry. This will show that you're not just interested in the role but also committed to understanding the business.
✨Showcase Your Experience
Be ready to discuss your previous underwriting experience in detail. Prepare specific examples of how you've made positive lending decisions or handled complex cases. This will help demonstrate your ability to assess risk and make informed decisions, which is crucial for this role.
✨Build Rapport
Since the role involves managing relationships with customers and brokers, practice building rapport during the interview. Use active listening skills and engage with the interviewer by asking insightful questions about their experiences and the company culture.
✨Prepare for Problem-Solving Scenarios
Expect to be asked about how you would handle specific underwriting challenges or objections. Think through potential scenarios and how you would approach them. This will highlight your problem-solving skills and ability to work under pressure, both of which are essential for success in this role.
