• Key ResponsibilitiesAssess and underwrite mortgage applications in accordance with lending policy, procedures and FCA requirements.
• Take ownership of cases throughout the underwriting process, ensuring applications are progressed accurately and within agreed timescales.
• Review supporting documentation and make appropriate lending decisions based on risk, affordability and policy.
• Maintain accurate records and ensure all decisions and communications are fully documented.
• Handle telephone and email enquiries from mortgage advisers, brokers and internal teams.
• Build and maintain strong working relationships with advisers and other areas of the business.
• Investigate and resolve queries or complaints in accordance with internal and regulatory procedures.
• Maintain up-to-date knowledge of mortgage products, lending criteria and relevant FCA regulations.
• Support colleagues by sharing knowledge and contributing to the continuous improvement of underwriting processes and customer service.

About You

• You will ideally have:At least 1 year's mortgage underwriting experience.
• Experience within Equity Release would be particularly beneficial, although candidates from Buy-to-Let or mainstream residential mortgage underwriting backgrounds will also be considered.
• Previous mortgage administration or underwriting experience within a bank, building society or mortgage lender.
• Good working knowledge of FCA regulations relating to residential mortgages.
• Strong attention to detail and a high level of accuracy.
• Excellent written and verbal communication skills.
• A proactive, positive and solutions-focused approach.
• The ability to manage a busy caseload and work effectively in a fast-paced environment.
• Good working knowledge of Microsoft Office.
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