Interim Underwriter – Up to 6 Months
Competitive Salary: Dependent on Experience
Staffordshire
Hybrid/Flexible
Our client is a specialist lender ready to evolve beyond tradition and grow its specialist lending offering. Be part of the team modernising a trusted brand for today’s more complex mortgage market.
This is an exciting opportunity for an underwriter to provide a high standard of customer service in the processing of mortgage applications in association with the company’s procedures manual.
Reporting to the Underwriting Team Leader, your role will involve processing mortgage applications in support of the Underwriting Team, providing efficient and quality internal and external customer service prior to and during completion of mortgage applications in accordance with the company’s corporate plan.
Responsibilities include:
- Assess mortgage applications received direct from customers, branches, agents and introducers for compliance with lending criteria, mortgage indemnity, money laundering and the Society’s procedures manuals.
- Provide clear instructions for all information including references, credit checks, etc, required to enable applications to be approved.
- Apply judgment-based underwriting for cases outside automated decisioning, balancing risk appetite with customer outcomes.
- Assess complex mortgage applications for specialist lending products, ensuring compliance with building society policies and regulatory requirements.
- Conduct detailed affordability and credit risk analysis, including manual underwriting for non-standard income profiles (e.g., self-employed, complex income, adverse credit, buy-to-let, or non-standard property types).
- Underwrite and approve mortgage applications per specified level, when all references, credit checks, valuations, etc, are received and apply special conditions to mortgage offers.
- Regularly contribute to team meetings within the section and be proactive in supporting the team in developing service standards and working systems.
The successful candidate will possess:
- Proven experience in mortgage underwriting, ideally within a building society or mutual environment.
- Strong background in specialist lending (e.g., self-employed, complex income, adverse credit, buy-to-let, or non-standard property types).
- Manual underwriting expertise, with ability to make judgment-based decisions outside automated systems. Track record of handling complex cases and exceptions, ensuring compliance and customer fairness.
- Strong communication skills oral and written
- IT Skills: confidence in using Microsoft Word, Excel and Outlook
- Be able to rise to the challenges presented in a demanding environment
- Be self-motivated and a team player
- CeMAP qualified (desirable)
- Knowledge of regulatory issues in underwriting (desirable)
This is a great interim opportunity for an experienced specialist residential underwriter to support an organisation for up to six months as they grow their specialist lending offering. Our client offers flexible hybrid working, along with a competitive salary
We would love to hear from you if this role aligns with your experience and career ambitions.