Mortgage Underwriter

Job title: Mortgage Underwriter
Based: Stockport with flexible Home Working available
Permanent: Full-time

The Role:

Our people are important to us (both customers and employees). We pride ourselves on delivering a high-quality personal service and our colleagues regularly impress our customers by going the ‘extra mile’.

The role offers considerable opportunity to deploy your accumulated skills and experience, and to further develop your career in a growing organization where you would play an active and
important part in its further development.

You will be expected to use your judgement, knowledge, and experience to personally assess and individually underwrite applications for many types of residential lending and buy to let lending. You will need to deploy sound decision making using appropriate flexibility and delivering good customer care, whilst ensuring you operate within our risk appetite.

The role involves positively and professionally liaising with our sales teams and mortgage intermediaries. Direct customer contact is also required.

The ideal person will be confident and personable, with good communication skills, and with a positive approach to delivery of good customer and commercial outcomes.

Skills and Experience:

Conversant and competent to underwrite both residential and buy to let mortgage applications in line with our Lending Policy, Criteria and Risk Appetite. Competence will need to be achieved under our Training & Competence Scheme.

The candidate should have proven experience (at least 2 years) in an underwriting or credit risk role in the secured lending market and possess a good knowledge of mortgage regulation. You should have previously held a lending mandate (at least 2 years) with clear autonomy to make lending decisions.

CeMAP (or an equivalent professional qualification) is desirable, although support in achieving this will be available.

You should have sound analytical and decision-making skills with a strong attention to detail, a high level of numeracy and literacy and good information technology skills. Good verbal and written communication skills are required. There is a need to be highly organised, with the
ability to be flexible and adaptable to prioritise changing workloads.

Package:

Pension scheme with 7.5% employer contributions (rising to 10% after 2 years)

Annual Bonus Scheme (discretionary scheme).

Salary exchange for pensions arrangement.

4 x salary death in service benefit

25 days holiday (plus statutory bank holidays), increasing to 27 days after 2 years.

Ad hoc or continual working flexibility under a formal Home Working Policy.

Health Cash-Plan.

Cycle to work scheme.

Retail discounts package

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Shift F5 Ltd is acting as an Employment Agency in relation to this vacancy.