Date Posted: 17/09/2024 Location: Reigate Job Type: Full time Apply Now Mortgage Underwriter Reigate – Hybrid (minimum 50% in the office) We have an exciting opportunity for a Mortgage Underwriter to join our Retail Underwriting team at Just. As a Mortgage Underwriter, you will making lending decisions based on holistic underwriting of properties and other risks associated with Lifetime Mortgages, reviewing in line with Lending criteria and best practice. You will ensure that that Lifetime Mortgages are originated within risk and that you respond to queries on property acceptability in line with the Lending criteria Key Responsibilities Make lending decisions based on your review of valuation reports, flood risks, credit risks and other associated underwriting risks associated with lifetime mortgages. Manage post valuation queries and requests for further information to satisfy yourself on the acceptability of certain properties and risks. Contributing towards the development of processes and sharing best practice within the team. Maintaining relationships with operational teams, Financial Intermediaries, Valuers and legal representatives to raise and respond to queries in relation to the underwriting of lifetime mortgages. To undertake any project activity related to the development of the Lifetime mortgage procedures and policies as required. Ensuring adherence to Company AML, Financial Crime and KYC policies Skills And Experience GCSE qualifications, or equivalent, including Maths and English (A-C Grades) as a minimum Proven mortgage underwriting experience or similar role (mortgage case handler role for example) Ability to make sound discretionary lending decisions within an agreed risk appetite and Lending criteria. Ability to coherently and accurate summarise information regarding lending and property issues and make risk based recommendations or decisions. Ability to mentor, train and coach others in technical areas. Ability to communicate with third parties on the phone and via e-mail. Company Benefits A Competitive Salary, Pension Scheme and Life Assurance Along with 25 Days Annual Leave plus an Additional Day on us for your Birthday Private Medical Cover and Income Protection, just in case A generous and highly achievable bonus scheme – paid annually based on individual and company performance against targets Opportunity to progress within your career both in-role and within the company FREE access to the Headspace App, a 24/7 Employee Assistance Helpline and Trained Physical & Mental Health First Aiders (On-Site) A variety of Employee Funded Benefits available to you via our Online Benefits Portal Plus, several additional purchase options available for you and your loved ones Apply Now