Senior Mortgage Underwriter

Senior Mortgage Underwriter

Salary: Competitive salary depending upon experience

Hours: Annualised

Contract: Permanent

Location: Flexible/Hybrid working (Head Office and home working)

Are you a people person? Do you like to make a difference? Do you take responsibility of a problem and own it? If this sounds like you, then we have your next new challenge awaiting for you.

We are currently recruiting for a Senior Mortgage Underwriter to join our Mortgage Underwriting and Processing team. You will consider mortgage applications up to a designated authority level whilst protecting the integrity of the Society’s mortgage portfolio.

• Sanction mortgage referrals and applications up to underwriter level
• Obtain highest mandate available within underwriting department
• Apply mortgage mandate to mortgage applications and mortgage referrals against the Society’s policy and ensure that business reasoning and risk assessment is used for those cases that fall outside policy in order to protect the Society’s mortgage book
• Ensure offers are produced correctly with regard to product clauses and valuation issues
• Approve all types of self-employed, BTL, & Modified Affordability Applications
• Experience with Complex Income, Retirement Interest Only and underwriting customers with payment difficulties/impaired credit histories, Green Mortgages, Secured Deposit and Deposit Unlock/First Home schemes for FTB is desirable

• Experience in a related financial environment exercising a Lending mandate
• Ideally seven years minimum practical underwriting experience and possess a current lending mandate. Experience in all aspects of self employed underwriting including assessment of accounts
• General understanding of current mortgage products and current market influences
• Good understanding of FCA and MCOB requirements.(Full CeMap preferred)
• Ability to work with others in a team environment and assist team members with complex cases / queries
• Excellent Communication Skills written and verbal, and ability to adapt style to suit audience. Confident complaint handler and ability to provide Broker support..

• Generous annual leave starting at 25 days + 8 bank holidays, (pro rata)
• Pension scheme where we will augment your contribution by 0.6% (Up to 10.6%)
• Social club membership – dozens of discounts available for a wide variety of family days out and events
• Corporate health plan with the option to include family members
• Discounted travel cards
• West Brom staff car scheme
• Life assurance provided by the Society at 4 times your salary

Why choose the West Brom?
At the West Brom we appreciate that our employees are unique individuals with differing needs depending on their specific circumstances and stages in life. When we say our people are the West Brom’s biggest asset that doesn’t mean just viewing them as employees. We are proud of our heritage and absolutely believe that the West Brom is a great place to work.

The West Brom are a Disability Confident employer and encourage disabled applicants and applicants from diverse backgrounds to apply. We will consider requests to make adjustments to our recruitment process and offer a guaranteed interview to disabled applicants meeting the essential criteria. Should you require assistance please do not hesitate to email careers@westbrom.co.uk.

Check out our careers page to find out more about our culture, values and benefits. https://www.westbrom.co.uk/careers. If you share our values and our enthusiasm, then you will find at home at the West Brom.

Do it today and click apply!

*Please note – We reserve the right to withdraw our adverts earlier than the original published expiry date, therefore if you are interested please submit your application as soon as possible*

Head Office: 2 Providence Place West Bromwich B70 8AF. www.westbrom.co.uk The West Brom is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Register no. 104877. ‘the West Brom’ is a trading name of West Bromwich Building Society.