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: Process mortgage Decision in Principle (DIP) requests from intermediaries within SLA. Process mortgage applications on the Society software system and complete all procedural administrative documentation efficiently, liaising with the customer during the application process. Maintain accurate records and notes throughout all stages of the mortgage application. Approve mortgage applications (direct and introduced) within specified limits in accordance with Society Lending Policy. Consider mortgage applications outside standard lending policy where a justifiable business reason exists. Present out-of-criteria cases to the Credit Risk Committee with appropriate recommendations and rationale. Maintain professional business relationships with BDMs, mortgage introducers, and external contacts, providing information and guidance when required. Maintain knowledge and comply with all legal responsibilities and codes of conduct, including Vulnerable Customers, AML, MCOB, DPA, FCA, etc. Meet all requirements of the Training & Competence scheme. Handle customer dissatisfaction and complaints as required. Identify opportunities for continuous improvement of products, policy, processes, and procedures. Capture all risk events and near misses on the events log within 48 hours of identification. Carry out other duties consistent with the nature, responsibilities, and expectations of the position. Comply with all frameworks, policies, and procedures relevant to this role, including the prevention and detection of Financial Crime against both the Society and its members. Skills and Qualifications: CeMap qualified or industry equivalent. Excellent communication skills, both written and verbal. Experience with Microsoft packages, including Word and Excel. Ability to independently manage multiple tasks. Strong attention to detail. Awareness of the risks of fraud, money laundering, and terrorist financing, and adherence to relevant policies and procedures. Ability to report suspicions of internal or external fraud, money laundering, or terrorist financing in a timely manner. Willingness to cooperate fully with the Financial Crime Team during fraud investigations.