Mortgage Underwriter

Mortgage Underwriter - Stafford · £40,000 · Permanent, full time

A long-established, member-owned building society is looking for a Mortgage Underwriter to assess residential lending cases with care and good judgement. You'll work in a small, close-knit mortgage team alongside processors and the wider lending function, owning cases from application through to offer and helping keep service levels high for members and brokers.

What you'll do

Underwrite residential mortgage applications in line with lending policy and your mandate

Assess affordability, credit history, income and property risk, making clear, well-reasoned decisions

Review valuation reports and work with valuers, brokers and solicitors to resolve queries

Handle more complex cases, including self-employed, interest-only, buy-to-let and later-life lending

Make sure decisions meet regulatory

requirements, including Consumer Duty, responsible lending and fraud prevention

Support quality checks and feed into improvements to policy and process

Mentor and support colleagues across the mortgage team

What you'll bring

Experience underwriting residential mortgages, ideally at a building society or smaller lender

Sound knowledge of mortgage regulation and responsible lending

Strong analytical skills and attention to detail

Confidence talking to brokers, solicitors and valuers

A practical, member-focused approach to decision-making

CeMAP or equivalent is desirable

Why apply

A key role in a lender that still underwrites with a personal touch

Real input into lending decisions and policy

A supportive team where your experience is valued

To apply, send your CV or contact Jordan Diston at Vivo Talent: (phone number removed) · (url removed)