Job Description
Our leading client is seeking a skilled Mortgage Underwriter to process and approve mortgage applications efficiently and accurately. The ideal candidate will have a strong understanding of mortgage products, lending policies, and regulatory requirements. You will play a crucial role in ensuring that our clients receive the best possible service throughout the mortgage application process. This is a hybrid role with travel to Chorley office.
Key Responsibilities:
1. Process mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
2. Process mortgage applications on the Society software system and complete all procedural administrative documentation efficiently, liaising with the customer during the application process.
3. Maintain accurate records and notes throughout all stages of the mortgage application.
4. Approve mortgage applications (direct and introduced) within specified limits in accordance with Society Lending Policy.
5. Consider mortgage applications outside standard lending policy where a justifiable business reason exists.
6. Present out-of-criteria cases to the Credit Risk Committee with appropriate recommendations and rationale.
7. Maintain professional business relationships with BDMs, mortgage introducers, and external contacts, providing information and guidance when required.
8. Maintain knowledge and comply with all legal responsibil...