Mortgage Underwriter - Fleet

Mortgage Underwriter - Fleet Salary: The Underwriter will assess risk and underwrite both personal and Limited Company buy-to-let and bridging mortgage applications. They will be required to adhere to rules set out within the credit framework, as well as adhere to compliance and regulatory policy and procedures.  The Underwriter will work collaboratively and build good relations within the Secured Lending Department, as well as the wider business and should be a source of reference/first point of referral for all internal and external stakeholders.  Key Responsibilities Structure, negotiate, and analyse proposals for approval under own authority. Analyse and interpret any documentation required (credit bureau, payslips, bank statements, accounts, mortgage statements, assets & liabilities, business plans) to comply with lending policy and protect our interest. Approve loans within specified lending mandates. Demonstrate strong analytical skills that aid effective decision-making, good problem-solving skills, and a “can do” attitude. Assess the commercial risk of secured lending applications across multiple asset classes and make recommendations on cases outside of current lending criteri Provide guidance to customers, brokers, and solicitors on mortgage applications, lending policy, and internal processes and procedures all within a timely manner. Demonstrate excellent communication skills and the ability to communicate decisions to management, brokers, and customers via all mediums and within published SLAs. Demonstrate a good understanding of mortgages and underwriting within a specialist lending environment and application of the Lending Policy. Have a good understanding of all regulatory requirements relating to both personal and Limited Company mortgages. Proactively progress cases through all stages of the mortgage process; from application to completion. To provide effective support to the business and our customers  Skills, Knowledge and Expertise  A minimum of 5 years of mortgage underwriting experience with a mandate is desirable Working in a similar fast-paced environment in an underwriter role Ability to prioritise tasks and manage time effectively, working on own initiative and as part of a team in order to meet SLAs and deadlines                    A good understanding of mortgages /underwriting with ability to use judgement, balancing commercial risk & opportunity.  Good IT skills                                 Excellent verbal and written communication skills; able to remain calm under pressure Up-to-date knowledge of FCA /PRA and all relevant regulatory mortgage requirements Excellent organisational skills              Flexible approach and “can do” attitude  Benefits Competitive salary 25 days holiday PLUS your BIRTHDAY off Pension contribution with Royal London Life Assurance Private medical, dental and optical health insurance with Axa Hybrid working – Wrexham  Free breakfast available  About Chetwood Bank We’re a UK-based digital bank dedicated to getting the basics right and offering straightforward savings and mortgages Data Protection We anticipate that we will retain your data as part of the recruitment process for no longer than is necessary for the purpose for which it was collected unless we have sought your consent to keep your data for future suitable job vacancies.Cifas The personal information we have collected from you will be shared with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be found by Bank does not accept speculative or unsolicited CVs from Recruitment Agencies. Any unsolicited CVs received will be treated as the property of Chetwood Bank and Terms & Conditions associated with the use of such CVs will be considered null and void.

Created: 2025-08-11