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- Tasks: Assess complex mortgage applications and provide top-notch customer service.
- Company: Established lender with a focus on customer satisfaction and team collaboration.
- Benefits: Competitive salary, bonus scheme, generous pension, and BUPA health care.
- Why this job: Join a close-knit team and make a real impact in the mortgage industry.
- Qualifications: 3+ years of manual mortgage underwriting experience and a customer-focused mindset.
- Other info: Flexible work-from-home options after initial onboarding in the Central Belt.
The predicted salary is between 36000 - 60000 £ per year.
Senior Mortgage Underwriter
Salary dependent on experience + excellent benefits
Northwest England
Flexible hybrid or onsite full time
Our client is an established and successful specialist mortgage lender, based in the Northwest of England. It serves the whole of the UK via broker channels. This is an exciting opportunity for an experienced Senior Mortgage Underwriter to take ownership of complex, higher-mandate lending, influence policy and portfolio performance, and play a key role in coaching and supporting the wider underwriting team. Our client is open to hybrid working or onsite full time. As a senior member of the team they would like someone who can help upskill other more junior members of staff so would like at least a 1–2-day office presence but can offer support on the costs of commuting or staying overnight if the distance is a challenge.
Responsibilities
- Manually underwrite higher-mandate, complex mortgage applications
- Assess and approve residential, BTL, self-build and bespoke cases
- Work closely with brokers and sales to support a strong customer journey while managing risk.
- Act as a technical escalation point, coaching and supporting underwriters and assisting the Underwriting Lead with team performance and quality.
Qualifications
- Experience as a senior, higher-mandated manual mortgage underwriter within a UK financial services environment.
- Proven experience underwriting complex and niche lending, including residential, BTL (including portfolios), self-build, holiday lets, high-value cases, complex income, impaired credit and lending into retirement.
- Strong analytical and decision‑making skills, with excellent written and verbal communication.
- Highly organised, self‑motivated and able to work independently while collaborating effectively with others.
- CEMAP level 3 desirable
This is an exciting opportunity for an experienced mortgage underwriting professional to make a difference in a growing, values‑led organisation. Our client is open to hybrid working or onsite full time. As a senior member of the team, they would like someone who can commit to at least 1-2 days office presence but can offer support on the costs of commuting or staying overnight if the distance is a challenge. As well as a competitive salary, benefits include pension and life insurance. We would love to hear from you if this role aligns with your skillset and appeals to you.
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Senior Mortgage Underwriter employer: Ultimate Banking Ltd
Contact Detail:
Ultimate Banking Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Mortgage Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, especially those who might know about opportunities at customer-focused lenders. A friendly chat can sometimes lead to a referral, which is gold when it comes to landing that Senior Mortgage Underwriter role.
✨Tip Number 2
Prepare for the interview by brushing up on your manual underwriting skills. Be ready to discuss how you assess complex applications and provide examples of your judgement calls. We want to see your expertise shine through!
✨Tip Number 3
Show off your customer service skills! In your conversations, highlight how you've gone above and beyond for clients in the past. This role is all about providing excellent service, so let us know how you can contribute to that culture.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who take the initiative to connect directly with us.
We think you need these skills to ace Senior Mortgage Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your relevant experience in manual mortgage underwriting. We want to see how your skills align with the role, so don’t be shy about showcasing your achievements and any complex cases you've handled.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for our team. We love a good story, so share your journey in the mortgage industry and how you can contribute to our customer-focused approach.
Showcase Your Customer Focus: Since we’re all about excellent customer service, make sure to include examples of how you’ve gone above and beyond for clients in your application. We want to know how you handle complex situations while keeping the customer’s needs at the forefront.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the easiest way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at Ultimate Banking Ltd
✨Know Your Stuff
Make sure you brush up on your mortgage underwriting knowledge, especially around MCOB regulations and affordability assessments. Being able to discuss complex applicant profiles confidently will show that you're the right fit for the role.
✨Showcase Your Experience
Prepare specific examples from your previous roles where you've successfully assessed mortgage applications or provided guidance to junior colleagues. This will demonstrate your hands-on experience and ability to contribute to the team.
✨Be Customer-Focused
Since this role is with a customer-focused lender, be ready to discuss how you've prioritised customer service in your past positions. Share instances where you went above and beyond to ensure a smooth application process for clients.
✨Ask Smart Questions
Prepare thoughtful questions about the company's lending policies, team dynamics, and opportunities for process improvements. This shows your genuine interest in the role and helps you assess if the company is the right fit for you.
