North of England Underwriter (Residential and Buy to Let Mortgages) - Montpellier Resourcing : Job Details

Hybrid - focussed on the Northwest of England, Manchester and the surrounding areas

Up to £50,000 plus excellent bonus and benefits

Due to exciting growth and expansion, a fantastic opportunity has arisen for an experienced property finance lending Underwriter to join a specialist Property Lending bank. Specializing in residential and buy to let mortgages, you will be responsible for packaging, underwriting and approving new mortgage applications for a variety of first and second stage and Buy to Let lending products.

Duties of the Underwriter (Residential and Buy to Let Mortgages) to include:

• Review and approve both residential and buy-to-let (BTL) mortgage applications.
• Underwrite and approve new mortgage applications for a variety of first / second change lending products.
• Efficiently manage an assigned pipeline of applications, ensuring smooth progression from submission to completion.
• Oversee new applications, manage incoming correspondence, and handle pre-submission inquiries within established service standards.
• Make informed lending decisions that align with Credit Risk Policy and individual authority levels.
• Evaluate applications holistically, considering the overall customer outcome and needs.
• Maintain adherence to internal underwriting policies and meet regulatory obligations, including FCA, PRA, Anti-Money Laundering, Financial Crime Prevention, and Data Protection.
• Engage with a pre-selected panel of Introducers to provide prompt, accurate, and consistent underwriting decisions.
• Support management by participating in project-based work and completing ad-hoc tasks as needed.
• Deliver quality underwriting decisions that foster performing loans and positive customer outcomes.
• Cultivate and sustain productive business relationships with an assigned group of Introducers.

Requirements for the successful Underwriting (Property Finance):

• Previous experience in underwriting, credit assessment or lending is essential and candidates should have experience with residential and Buy to Let mortgages.
• Experience working in a highly regulated environment
• Strong communication skills and ability to build relationships with introducers and / or external clients
• Candidates will ideally currently hold a lending mandate and will be CeMAP qualified

What’s in it for you:

• Private Medical Insurance
• 26 days holiday with 2 wellbeing days and opportunity to purchase more annual leave
• Remote Working offering you the ability to balance your work and home life
• Excellent career development opportunities and sponsorship of relevant qualifications
• And MUCH MORE

This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.