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- Tasks: Review and manage mortgage applications, ensuring compliance and exceptional customer service.
- Company: Join a dynamic team in Manchester focused on responsible lending and customer satisfaction.
- Benefits: Enjoy a competitive salary, 30 days leave, private medical insurance, and flexible working options.
- Why this job: Be part of a supportive culture that values continuous improvement and career development.
- Qualifications: Recent experience as a mortgage underwriter with strong knowledge of the mortgage market required.
- Other info: Hybrid work model with engaging company events and a collaborative environment.
The predicted salary is between 28000 - 42000 £ per year.
Location: Manchester (Hybrid - 2 days per week in the office)
Salary: Up to £35,000 per annum (negotiable based on experience)
Hours: Full-time, Monday - Friday, 9am - 5pm
Holiday: 30 days annual leave + bank holidays
Are you an experienced Mortgage Underwriter looking for your next challenge? Join our dynamic team and play a key role in reviewing and managing mortgage applications from start to finish. We're looking for a detail-oriented, proactive individual to work within our lending policies, ensuring responsible lending practices and exceptional customer service.
About the Role:
As a Mortgage Underwriter, you will assess mortgage applications of up to £800k, reviewing all documentation in line with company criteria. Your expertise will be crucial in determining the risk for each applicant and structuring lending rationales that ensure both the bank and customers are protected. You will also work closely with credit agencies, fraud prevention teams, and third-party scheme requirements to complete each application with precision.
Key Responsibilities:
- Review and assess mortgage applications up to £800k, ensuring compliance with company and lending policies.
- Assess affordability, risk factors, and structure lending decisions for each case.
- Use specialist data and tools to assess risk and support lending decisions.
- Underwrite both residential and buy-to-let applications, including government schemes and high LTV products.
- Provide expert guidance to intermediaries and direct customers, ensuring high-quality service and responsible lending.
Required Experience:
- Recent experience as a mortgage underwriter with lending authority.
- Strong knowledge of the mortgage market, including residential and buy-to-let sectors.
- Experience working with both intermediaries and direct customers.
- A proactive and customer-focused approach to underwriting.
What We Offer:
- Competitive salary up to £35,000 (dependent on experience).
- 30 days annual leave plus bank holidays.
- A comprehensive benefits package including private medical insurance, discretionary bonus, cycle-to-work scheme, and retail discounts.
- Flexible working options, with 2 days in the office per week.
- Engaging company events and a friendly, collaborative working environment.
- A supportive culture with a focus on continuous improvement and career development.
If you're ready to make a difference and thrive in a fast-paced, rewarding environment, we'd love to hear from you!
Mortgage Underwriter employer: Virtual Bridges
Contact Detail:
Virtual Bridges Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter
✨Tip Number 1
Network with professionals in the mortgage industry, especially those who are currently working as underwriters. Attend industry events or join online forums to connect with others and gain insights into the role.
✨Tip Number 2
Familiarise yourself with the latest trends and regulations in the mortgage market. This knowledge will not only boost your confidence but also demonstrate your commitment to staying updated in your field.
✨Tip Number 3
Prepare for potential interviews by practising common questions related to underwriting scenarios. Think about how you would assess risk and make lending decisions based on various applicant profiles.
✨Tip Number 4
Showcase your customer service skills during any interactions with our team. As a Mortgage Underwriter, you'll need to balance risk assessment with providing excellent service, so highlight your experience in this area.
We think you need these skills to ace Mortgage Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your recent experience as a mortgage underwriter. Focus on your knowledge of the mortgage market, including both residential and buy-to-let sectors, and any relevant lending authority you possess.
Craft a Compelling Cover Letter: Write a cover letter that showcases your proactive and customer-focused approach to underwriting. Mention specific examples of how you've assessed risk and structured lending decisions in previous roles.
Highlight Relevant Skills: In your application, emphasise your detail-oriented nature and ability to work with credit agencies and fraud prevention teams. This will demonstrate your capability to manage mortgage applications with precision.
Show Enthusiasm for the Role: Convey your excitement about joining a dynamic team and contributing to responsible lending practices. Let them know why you're passionate about the mortgage industry and how you can add value to their company.
How to prepare for a job interview at Virtual Bridges
✨Know Your Numbers
As a Mortgage Underwriter, you'll be dealing with significant sums of money. Brush up on your understanding of mortgage figures, affordability calculations, and risk assessments. Being able to discuss these confidently will show your expertise.
✨Familiarise Yourself with Company Policies
Before the interview, take time to review the company's lending policies and procedures. This will not only help you answer questions more effectively but also demonstrate your commitment to responsible lending practices.
✨Prepare for Scenario Questions
Expect to be asked about specific scenarios you might face as a Mortgage Underwriter. Think through examples from your past experience where you successfully assessed risk or made lending decisions, and be ready to discuss them in detail.
✨Showcase Your Customer Service Skills
Highlight your proactive and customer-focused approach during the interview. Be prepared to share examples of how you've provided exceptional service to both intermediaries and direct customers, as this is crucial for the role.