Senior Risk Underwriter

2 weeks ago


Swindon, United Kingdom Nationwide Full time

We are looking for an experienced mortgage underwriter in our busy prime lending team who can manually assess higher risk and complex mortgage applications to ensure that they are within our risk appetite. At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.
For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, at either our Swindon or Northampton office. You can also find out more about our approach to hybrid working here .
You’ll achieve a £1m lending mandate and apply this across a range of residential propositions, using your judgement and experience to make fully reasoned underwriting decisions that reflect the need to maximise new business whilst protecting the integrity of our mortgage book. The lending mandate associated with the role carries the authority to make exceptions to lending policy. You’ll need to have held a lending mandate and have experience of manually underwriting complex mortgage applications (large loans would also be an advantage). You must be able to investigate, identify and consider the risks associated with each application and use personal judgement to make holistic lending decisions.
Demonstrate extensive knowledge of the mortgage industry including regulatory requirements and industry best practices
It’s also about being clear, precise, and using language that we and, importantly, our customers and members can understand.
Push for better - This is about aiming high and constantly looking for better in how we work together and serve our customers and members.
A personal pension – if you put in 7% of your salary, we’ll top up by a further 16%
~ Life assurance worth 8x your salary
~ A great selection of additional benefits through our salary sacrifice scheme
~ Access to an annual performance related bonus
~ Access to training to help you develop and progress your career
~ 25 days holiday, pro rata

Nationwide is the world’s largest building society. We’ve got the scale to compete with the big banks, but we’re not a bank.
As a building society, we’re owned by our members – that’s our customers who have their current account, mortgage or savings with us. It means we can do things differently to deliver our Purpose – Banking – but fairer, more rewarding, and for the good of society.
We want everyone in the UK to know that they don’t have to bank with a bank.



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