Mortgage Lending Expert
7 days ago
We are seeking a highly skilled Mortgage Underwriter to join our dynamic team at Progressive Building Society. As a key member of our Head Office Mortgage Underwriting Team, you will play a crucial role in delivering exceptional customer service and supporting our ambitious growth plans.
About the RoleThe successful candidate will possess significant underwriting experience, with a keen eye for detail and excellent people skills. You will be responsible for handling multiple cases to expected standards, adhering to our Lending and mortgage-related policies, TMF principles, regulatory requirements, and FCA responsible lending best practice.
Key Responsibilities- Collaborate with Mortgage Intermediaries, Branches, and Society teams to facilitate seamless mortgage application processes.
- Thoroughly review and complete mortgage applications, verifying accuracy and examining supporting documentation.
- Analyze applicant credit history and financial information to assess eligibility.
- Evaluate risk presented and request additional information as necessary.
- IDentify signs of suspicious or fraudulent activity.
- Assess individual circumstances and evidence presented to ensure good customer outcomes.
- Make mortgage eligibility judgments, approving or rejecting applications.
- Communicate approval or rejection reasons effectively and document decisions.
- Provide expert advice to Mortgage Intermediary queries regarding applications.
- Maintain compliance with regulatory standards, mortgage policies, procedures, and guidelines.
- Achieve minimum KPI Requirements and Targets.
- Competitive salary: £35,000 - £45,000 per annum
- Hybrid working model
- Annual KPI Bonus Scheme
- Excellent pension with up to 20% employer pension contribution
- Life Assurance Scheme
- Group Income Protection
- Health cash plan for money back on dental, optical costs etc
- Generous holidays - 25 days plus up to 12 Bank Holidays
- Day off for your birthday
- Holiday purchase scheme
- Cycle to Work Scheme
- Opportunity to gain great exposure in a supportive environment
- Excellent training and volunteering opportunities
To be considered for this exciting opportunity, you must have:
- CeMap qualified
- Experience of working productively within a fast-paced customer-focused environment
- Highly organized and capable of handling a large volume of customer cases
- Confidence to effectively question and challenge evidence presented
- Detail-oriented with strong data accuracy
- Strong communication skills, both verbal and written
- Problem-solving skills
- Good Numeracy & Microsoft Office skills
- Ability to retain detailed knowledge of products and services to resolve complex queries
- Capacity to work collaboratively within a team and independently using initiative
- 3+ years' mortgage underwriting experience
We strive to provide an inclusive and respectful working environment where everyone recognizes the importance and impact of teamwork. We celebrate staff diversity and work hard to ensure that our staff members feel valued as individuals and respected for their contribution to our success.
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