Mortgage Underwriter

Bath

£Depending on experience

Our client is a customer centric, mortgage and savings provider based in Somerset. This is a fantastic opportunity to join a dedicated underwriting team of 3, manually underwriting mortgage applications and ensuring the quality of the mortgage book is being effectively maintained.

Their head office is currently undergoing refurbishment, and they can offer a hybrid approach to the working week, with ideally 2 -3 days in the office and the remainder working remotely. The underwriting team do like to have a day a week together in the office, and this is usually a Thursday.

They do ideally require someone with CeMap, however they are happy to fully fund and support the successful individual in gaining this, so you must be happy/want to gain the qualification.

Main duties of the Mortgage Underwriter will be:

• To personally underwrite mortgage applications within your mandate level, Residential and Buy-to-Let, up to £500,000 total gross exposure, where no exceptions to policy exist.
• To Liaise with and make recommendations to the Head of Underwriting for cases above your designated mandate and/or where at least one exception exists.
• To provide internal and external customers with a professional, knowledgeable and efficient service.
• To assist the Head of Underwriting in regular reviews of the Lending Policy and provide feedback where you feel changes may be beneficial
• Build and maintain relationships with third parties including brokers, solicitors and valuers to ensure the organisation maximises business opportunities and conforms to regulatory, planning and legal requirements of the mortgage process.

The successful individual will possess:

• Previous manual mortgage underwriting, ideally in both residential and BTL.
• Full CeMap qualification would be highly desirable.