Senior Mortgage Underwriter: Strategic Risk & Complex Cases

Scottish Building Society; City of Edinburgh; On-site; GBP 45,000 - 60,000; Full time

Job summary

A prominent financial institution in the UK is seeking a Senior Mortgage Underwriter responsible for assessing complex residential mortgage applications. Successful candidates will have a minimum of 5 years' experience in mortgage underwriting, a good understanding of the UK mortgage market, and excellent decision-making skills. This role offers an opportunity to help shape the underwriting approach within a dynamic team environment.

Qualifications

• Minimum 5+ years of significant mortgage underwriting experience.
• In-depth knowledge of the UK mortgage market and FCA regulatory expectations.
• Comfortable with complex/self-employed income and LTV risk.

Responsibilities

• Assess mortgage applications in line with lending policy.
• Perform detailed affordability assessments.
• Provide technical guidance to junior underwriters.

Skills

Significant mortgage underwriting experience

Decision making skills

Proven analytical skills

Excellent communication skills

Education

CeMAP

AdvCeMAP

CICM

Tools

Finova's MSO platform

Job description

A prominent financial institution in the UK is seeking a Senior Mortgage Underwriter responsible for assessing complex residential mortgage applications. Successful candidates will have a minimum of 5 years' experience in mortgage underwriting, a good understanding of the UK mortgage market, and excellent decision-making skills. This role offers an opportunity to help shape the underwriting approach within a dynamic team environment.