Lifetime Mortgage Underwriter

Just Group plc; Reigate; Hybrid; GBP 35,000 - 55,000; Full time

Job summary

A leading financial services company in Reigate is seeking a Mortgage Underwriter to make informed lending decisions and handle post-valuation queries. The ideal candidate will have proven experience in mortgage underwriting, strong communication skills, and an ability to summarise complex information. You'll be part of a diverse team focused on the best outcomes for customers and enjoy a competitive salary alongside a generous benefits package. Join us in making a difference in the lives of those enjoying their retirement.

Benefits

Competitive salary

25 days annual leave

Private medical cover

Generous bonus scheme

Employee assistance helpline

Qualifications

• Proven experience in mortgage underwriting or a similar role.
• GCSEs (or equivalent) in Maths and English (A-C grades) required.
• Strong ability to summarise complex information and make risk-based recommendations.

Responsibilities

• Make informed lending decisions by reviewing various reports.
• Handle post-valuation queries and requests for information.
• Support projects enhancing Lifetime Mortgage procedures.

Skills

Confidence in lending decisions

Great communication skills

Ability to summarise complex information

Experience in mortgage underwriting

Education

GCSEs in Maths and English (A–C grades)

Job description

About Just

We help people achieve a better later life. That’s our purpose and it’s the reason we exist. We are a fast-growing company helping customers enjoy the retirement they deserve. We do this through a variety of market leading, award-winning products and services, delivered by a diverse team of over 1,400 purpose-led colleagues who genuinely put the customer at the heart of everything we do.

This is a brilliant time to join our business. We are on an exciting growth journey to become the UK’s most loved retirement expert

Key Responsibilities

• Making informed lending decisions by reviewing valuation reports, flood risks, credit risks, and other underwriting factors.
• Handling post-valuation queries and requests for additional information.
• Responding to property acceptability questions in line with our Lending Policy.
• Sharing best practices and helping improve processes within the team.
• Building strong relationships with operational teams, intermediaries, valuers, and legal representatives.
• Supporting projects that enhance our Lifetime Mortgage procedures and policies.
• Ensuring compliance with AML, Financial Crime, and KYC policies.

Skills and Experience

• GCSEs (or equivalent) in Maths and English (A–C grades minimum).
• Proven experience in mortgage underwriting or a similar role.
• Confidence in making sound lending decisions within agreed risk appetite.
• Strong ability to summarise complex information and make risk-based recommendations.
• Great communication skills—both written and verbal.
• A willingness to mentor and share knowledge with others.
• Ability to communicate with third parties on the phone and via e‑mail.

Our Behaviours

At Just you’ll have the opportunity to develop your career, whilst making a difference to the lives of those around you. You’ll be part of a company with a strong and distinctive culture – we’re ambitious, curious and collaborative – and every decision we make centres around being Just and delivering the best outcomes for our customers.

What’s in it for you

• A competitive salary, pension scheme and life assurance
• 25 days annual leave plus an additional day on us for your birthday
• Private medical cover and income protection, just in case
• A generous and highly achievable bonus scheme
• Opportunities to progress your career in‑role and within the company
• Free access to the Headspace app, 24/7 employee assistance helpline and trained physical and mental health first aiders
• A variety of employee funded benefits available via our online benefits portal
• Plus, several additional purchase options available for you and your loved ones
• Valuing diversity of thought and fostering a sense of belonging is critical to our business success, driving innovation and balanced decision making. Our work on DEIB (Diversity, Equity, Inclusion and Belonging) aims to deliver a brilliant employee experience underpinned by a sense of belonging, where our people feel proud to work at Just.
• We remain committed to our publicly disclosed HM Treasury Women in Finance Charter and Race at Work Charter targets and support a wide range of employee network and events, championing issues including intergenerational working, social mobility and neurodiversity.

Please submit your CV using the 'apply now’ button. Shortlisted candidates will be contacted regarding next steps which may include an initial phone interview and in‑person assessment.