Underwriter

Job Description Underwriter at Saffron Building SocietySalary: up to 45,000 DOEHybrid working - Head Office based in Saffron Walden, EssexAbout Us:Saffron Building Society is a mutual organisation dedicated to providing exceptional financial services to our members. With a strong commitment to our community and a focus on customer satisfaction, we pride ourselves on our personalised approach and innovative solutions. We are currently seeking a skilled and motivated Underwriter to join our dynamic team.Role Overview:As an Underwriter, you will play a crucial role within our experienced Underwriting Team in assessing and evaluating mortgage applications, ensuring that we maintain our high standards of lending while supporting our members' needs. You will work closely with our lending teams to make informed decisions based on risk assessment and financial analysis.Key Responsibilities:Assess mortgage applications and supporting documentation to determine creditworthiness and risk.Make timely, informed lending decisions under time constraints in line with Saffron Building Societys policies and regulatory requirements.Collaborate with the processing team, business development, other internal key stakeholders and directly with mortgage intermediaries to provide exceptional service to our members.Maintain accurate records of underwriting decisions, with high attention to detail and communicate outcomes effectively.Stay updated on industry trends, regulatory changes, and best practices in underwriting.Qualifications and Skills:Previous experience in mortgage underwriting preferably with a minimum of 2 years experience within the mortgage underwriting environment.Must have complex lending experience, including knowledge of high net worth, self-employed, Buy to Let, HMO (House in Multiple Occupation), Self Build, Expat mortgages, development finance (would be an advantageous)Strong analytical skills with the ability to assess financial information and risk.Excellent communication skills, both written and verbal, with a customer-focused approach.Confident face to face and telephone communication directly with Brokers and customers is essential.Proficiency in using underwriting software and Microsoft Office applications.Ability to make quick and accurate decisions whilst working within a regulated environmentEffectively owning and managing an active pipeline of mortgage applications.A relevant qualification in finance (Ce-Map), business, or a related field is desirable.What We Offer:A supportive and collaborative work environment.Opportunities for professional development and career progression.A competitive salary and benefits package, including pension contributions and annual leave.The chance to make a positive impact in the community through our mutual ethos.How to Apply:If you are passionate about helping others and have the skills and experience we are looking for, we would love to hear from you. Please submit your CV .Saffron Building Society is an equal opportunities employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.Join us in making a difference in the lives of our members!Rewards & benefits:33 days holiday including bank holidaysHoliday Exchange Scheme (buy or sell holiday days)Performance Dependent Annual BonusCompany Pension Scheme with 5% Employee and 8.5% Employer contributions (subject to eligibility, T&Cs)Life Assurance & Income ProtectionA flexible and supportive working culture including access to mental health first aidersand lots more. please get in touch to find out more.About us:We all know happiness comes from within. And its no different with Money Happiness. It starts right here! At Saffron Building Society were ready to build it, inspire it and celebrate it with our members, people and communities.So, whatever that happy is from picking up the keys, to saving for that big day were here with open arms, curious minds, and the kettle on. Ready to cheer our members on when theyre winning or build them back up when things havent gone to plan. And why? Because thats what families do.For us, this is much more than a job. Were here to make things better, roll up our sleeves and think whats next to rebuild. Our people are the beating heart of Saffron, and it takes each and every one of us to provide the service were proud of.So, bring you! Your energy, an abundance of team spirit and your hunger to help.Together we are building happy.At Saffron, we are committed to building happy; for our communities, members, and each other. We do this through attracting and building a diverse group of talent and encouraging an inclusive environment which fosters a sense of belonging for all. We hire the best people and have a collaborative culture where everybodys uniqueness is celebrated and respected. We recognise the strength in having a diverse workforce, adding different perspectives, ideas and values. We are inspired to leave a legacy for our communities and each other.

Created: 2026-03-07