Mortgage Underwriter

**Core Details**
Working Week: Monday to Friday (09:00-17:00)

**Salary**: DOE + up to 20% bonus
Working Pattern: Hybrid (3 days in the Blackpool Office)
Closing date: 31st December

**The role**
We're Tandem. The UK's fairer, greener, digital bank providing hard working people across the UK with sustainable ways to borrow and save.
With more than 500 people in London, Blackpool, Cardiff, Durham and Manchester, all working together to create a fairer, greener, more accessible bank for people across the UK.
We're on a mission to proactively help our customers to reduce their carbon footprint and accelerate the UK to net-zero carbon emissions by 2050 and we need more people to help us achieve this goal.
We've taken the beliefs, behaviours, and personality and created four underpinning values. These values demonstrate our guiding principles and behaviours for everyone at Tandem. Our ambition is that these values are ingrained and always front of mind when we're engaging with our stakeholder audiences. Our values are BRAVE, ENTERPRISING, SIMPLE and TOGETHER.
We're building an amazing team and we're looking for a Mortgage Underwriter to support us on our journey.

**Our team**
The Mortgage Division is a leading provider of specialist mortgage products in the UK intermediary market. We provide a wide range of products that satisfy the market's demand and have a reputation for providing excellent service, building strong relationships and being experts in our field.

**What you will be working on**:

- Individual performance and contribution to achieve KPI's set by the business.
- Owning individual performance and personal development.
- Accurately assessing income sources, bank statements, credit and valuation reports.
- Recommending any cases outside mandate to the relevant mandate holder.
- Ensuring all cases hold a robust documented rationale for the lending decision.
- Managing broker expectations, prioritise tasks and caseload in line with agreed SLA's.
- Responding to all underwriting queries.
- Maintaining an excellent level of fraud awareness to identify and protect the company from fraudulent
- Effectively and professionally communicating with the introducer network, responding to enquiries in a timely
- manner and resolving any queries or issues.
- Maintaining a good level of knowledge of the relevant industry sector.

**What we're looking for**:
Essential:

- Experience of First Mortgage underwriting, particularly in residential mortgage lending, holding a lending mandate.
- Detailed understanding of the mortgage industry, regulation and legal requirements.
- CeMap qualified up to Level 3.

Qualities we look for:

- Good organisational and time management skills resulting in the ability to prioritise tasks to meet tight deadlines.
- Excellent attention to detail and a desire to provide excellent customer service.
- The ability to positively contribute to a team.
- The ability to self-motivate and use own initiative to achieve individual targets.
- Exceptional written and oral communication skills.
- Strong computer literacy including working experience on Microsoft Office.

You can find our Applicant Privacy Policy here.
Tandem Money is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.
Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.
Our mission is to build a business of the future, that improves people's financial lives.
No agencies please.