Kind Consultancy is working with a well-established Retail Financial Services firm which is currently seeking a Mortgage Underwriter to join them in a permanent, full-time role paying up to £37,000 with a hybrid work model requiring 2 in-office days per week in their Lancashire office.

The Mortgage Underwriter will focus on providing a professional, efficient underwriting service to customers and intermediaries with key responsibilities including:

• Processing mortgage Decision in Principle (DIP) requests from intermediaries.
• Processing mortgage applications on a software system, completing all procedural administrative documentation efficiently liaising with the customer during the application process.
• Maintaining accurate records and notes throughout all stages of the mortgage application.
• Approving mortgage applications (both direct and introduced) within specified limits in accordance with the Lending Policy.
• Considering mortgage applications outside standard lending policy where a justifiable business reason exist.
• Presenting out of criteria cases to the Credit Risk Committee with appropriate recommendations and rationale.
• Building and maintaining professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.
• Maintaining continually updated knowledge and complying with all relevant legal responsibilities and codes of conduct i.e. Vulnerable Customers, AML, MCOB, DPA, FCA etc.
• Capturing all risk events and near misses on the events log within 48 hours of identification.

Our ideal candidate for the Mortgage Underwriter opportunity:

• Is CeMap qualified (or industry equivalent)
• Holds at least 5 GCSEs at Grade C or above including Maths and English or equivalent.
• Demonstrates excellent communication skills in writing and speech.
• Is a confident user of Microsoft Office software including Word & Excel.
• Can independently manage multiple tasks while maintaining strong attention to detail.

If you’re interested in the Mortgage Underwriter opportunity and you have the necessary skills, knowledge and qualifications and are based in or can commute to Lancashire, please apply with an up-to-date CV today.