Senior Mortgage Underwriter

3 weeks ago

edinburgh, United Kingdom Ultimate Banking Full time

Senior Mortgage Underwriter Central Belt, Scotland £dependent on experience Are you an experienced manual mortgage underwriter who thrives on providing excellent customer service, and underwriting a variety of residential and B2L loans? Our client has an exciting opportunity to join their team as a Senior Mortgage Underwriter; here you will be working in a close knit team of 6 and reporting to the Mortgage Underwriting Manager, being responsible for assessing complex residential mortgage applications up to £1m. They are an established and highly customer focussed business with many awards to their name. This is a new role as they continue to expand and grow their lending offerings to their customers. You will be expected to be in their office (Central Belt) at least twice a week (likely more the first few weeks). Duties will include: Assess mortgage applications in line with lending policy and regulatory standards (MCOB) Perform detailed affordability assessments, including non-standard income and complex applicant profiles Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring Provide technical guidance to junior underwriters and administrative assistants Contribute towards underwriting policy reviews and process improvements Liaise with intermediaries and internal stakeholders to progress applications efficiently The successful candidate will possess: At least 3 years’ previous manual mortgage underwriting experience in residential lending Previously held a mandate Have a customer focus, be able to work within a relatively small team and contribute to the wider business, supporting more junior colleagues in particular Along with a competitive salary, additional benefits include: bonus scheme, very generous pension scheme and BUPA health care. If you are an experienced mortgage underwriter who can commute to the Central Belt area once a week and looking to work in a customer focussed lender, please apply now.

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