Kind Consultancy is working with a well-established Retail Financial Services business which is currently seeking an Underwriter to join them in a full-time, permanent position in their Staffordshire office with a hybrid work model, paying up to £32,000 dependent on experience.

The Underwriting position will focus on assessing and processing new mortgage applications through to offer stage, with key responsibilities including:

• Assessing and underwriting mortgage and other borrowing applications in line with the product criteria, Responsible Lending Policy, and service standards.
• Reviewing documentation to ensure completeness, accuracy, and correct input into the Activate system.
• Providing clear, well-reasoned decisions for the approval or rejection of applications, documenting rationale appropriately.
• Identifying cases requiring referral or escalation
• Completing all required Mortgage Application Check Forms, applying relevant conditions, hold codes, and collateral codes.
• Recommending any cases outside mandate to the management team and ensuring all cases hold a robust documented rationale for the lending decision.
• Communicating promptly and professionally with intermediaries, customers, and colleagues to ensure efficient application processing and accurate information exchange.
• Liaising with internal and external stakeholders to progress applications to offer stage within agreed timescales, proactively chasing outstanding items

Our ideal candidate for the Underwriter opportunity:

• Has previous experience in Mortgage Underwriting (essential)
• Demonstrates strong decision-making skills with accountability for outcomes and risk awareness.
• Has excellent communication and interpersonal skills, with the ability to explain decisions clearly and professionally.
• Is well-organised and able to manage workload effectively under pressure to meet service standards.
• Is a collaborative team player with initiative and a customer-focused approach.
• Having some knowledge of Active and CSR Systems, mortgage lending policies and mortgage regulations would be desirable, as would holding CeMAP

If you're interested in the Underwriter position, you have the necessary skills, knowledge and experience and you're based in or can commute to Staffordshire, please apply with an updated CV today.