Job Description

Our people work differently depending on their jobs and needs. From home working to job sharing, visit the remote and flexible working page on our website to find out more. This role is based in India and as such all normal working days must be carried out in India. Join us as a Mortgage Underwriter

• In this rewarding role, you’ll make mortgage lending decisions that help our customers achieve their home-owning ambitions
• You’ll make sure that our lending decisions are made in accordance with current risk appetite, process, and procedures
• You’ll support and guide colleagues on all matters relating to mortgage underwriting and completion
• This role is available at analyst level

What you'll do

At the heart of this role is the responsibility of making loan eligibility decisions and approving or rejecting applications in accordance with our lending and credit policy. You’ll need to be comfortable with managing high volumes of applications and working to service-level agreements, to make sure we’re providing an efficient and effective service. And you’ll have a keen an eye for detail to analyse credit documents such as credit history and income documents, property valuation, and all necessary compliance documents to assess the application. We’ll also need you to:

• Make sure we’re compliant with Mortgage Conduct of Business standards, and our credit policy
• Collect and record customer information in a timely manner to ensure efficient processing of applications
• Identify risk factors, including fraud red flags to determine or verify misrepresentation
• Actively participate in initiatives to improve customer service, processes, and procedures
• Use your knowledge and experience where the mortgage application requires a more bespoke and considered approach to achieve the right outcome for customers and the bank

The skills you'll need

With experience in UK residential mortgages and thorough knowledge of the end-to-end mortgage lifecycle, you’ll be well organised and able to prioritise. You’ll need to be highly productive while maintaining a quality service and be able and willing to contribute to system improvements, along with process and development changes. Additionally, you’ll need:

• Excellent data analysis skills to make sure we lend responsibly and within risk appetite
• A high mathematical aptitude, plus good verbal and written communication skills
• Proficiency in Microsoft Office and automated underwriting systems