Mortgage Underwriter

Posted 9 March by iRecruit Partners Ltd

iRecruit Partners are currently working with a company based in Bracknell who are looking for a Mortgage Underwriter to join their rapidly expanding team. You will consistently provide an effective and efficient mortgage underwriting service from application to completion, underwriting mortgage applications within lending policy and approved lending mandate. Delivering exceptional professional levels of service to all parties involved in mortgage origination process. Quality, accuracy and high levels of performance are essential to achieve Company objectives for growth whilst maintaining the companies brand.


  • Maintain the quality of the overall mortgage book by exercising an underwriting mandate in a way that

demonstrates strong credit assessment skills

  • Exceptional attention to detail, ensuring all applications are underwritten within internal policies,

procedures and criteria as well as remaining compliant with all applicable regulatory guidelines

  • Provide recommendations for applications outside of mandate ensuring all cases hold a robust

documented rationale for the lending decision

  • Meet internal service levels for quantity and quality
  • Able to work to agreed objectives and deliverables within service standards
  • Proactive and positive communicator, who is naturally organised, enjoys achieving stretching targets
  • Maintain up to date awareness of current market, financial and regulatory requirements
  • Developing and maintaining key relationships with internal and external business partners and


  • Shows ambition and takes ownership for personal development and learning
  • Telephone call handing, including Business to Business with Packagers, Brokers and Solicitors
  • Assess decision in principle and full mortgage applications through all key stages and make strong

recommendations for lending

  • Carry out any tasks or activities required by Manager


  • Underwriting Mandate held within a commercial or mortgage environment, preferably covering

specialist lending which will include complex lending structures

  • Understands all key elements and stages of mortgage applications at every level of the process
  • Strong understanding of regulatory landscape, DPA, Money Laundering, TCF, MCOB, Fraud aware
  • Adaptable and flexible to enable department to deliver exceptional customer service
  • Approachable, bright and with a sense of humour, able to remain calm when working under pressure
  • Dynamic and enthusiastic, with a strong desire to achieve
  • Strong decision making and organisation skills. Ability to work to strict deadlines whilst maintaining a

good level of productivity

  • Enjoys working in a busy, lively environment and has the ability to adapt quickly and effectively to


  • Good Team player
  • PC literate with knowledge of Microsoft office products and outlook
  • Pro-active and alert to making suggestions for process and system improvements


  • Previous mortgage assessing experience in a buy to let environment
  • CeMap preferable or happy to study towards qualification


  • 25 Days holiday
  • Healthcare
  • Life Assurance (4 times salary)
  • Pension (contributory)
  • Discretionary bonus scheme

Voluntary Benefits - benefit from the corporate rates

  • Denplan
  • Healthshield
  • Childcare Vouchers
  • Vodafone friends & family

Grade A offices with an on-site canteen and on-site parking.

As they are a regulated environment all offers are subject to successful completion of 5 year work references, Identity and Adverse Credit checks, and a CRB check.

Required skills

  • CeMAP
  • Mortgage Lending
  • Mortgage Underwriting
  • Mandates
  • BTL Mortgage

Application questions

Are you an experienced Mortgage Underwriter looking for your next challenge?
Are you CeMap qualified or looking to study towards this?

Reference: 34319256

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