abound - Mortgage Underwriter
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Requirements
• Minimum of 1 years’ experience underwriting first or second charge mortgages. • Experienced with own pipeline management and working to targets • Experience within an FCA-regulated environment. • Strong understanding of responsible lending, affordability assessment, fraud prevention, and Credit file assessment. • Excellent attention to detail and sound judgement. • Strong communication and interpersonal skills with a collaborative approach. • Comfortable working in a growing and evolving business environment. • We prioritise sound credit decisions and continuous learning from outcomes. • We take ownership of our work and support one another to achieve shared goals.
Responsibilities
• Assess second charge mortgage applications using Open Banking data, credit reference agency information, and supporting documentation to evaluate creditworthiness. • Make informed underwriting decisions in line with internal policies and regulatory requirements. • As part of a new product, you will be expected to maintain growing targets. • Using the in house build system to process applications from a queue. We also encourage system feedback to bug spotting to system improvements • Conduct fraud prevention and AML checks in line with internal controls and FCA requirements. • Manage and progress your own underwriting pipeline efficiently while maintaining service standards. • Support a culture of responsible lending and strong risk awareness. • Continue developing your underwriting knowledge and wider lending expertise. • We encourage open discussion, constructive challenge, and accountability. • Strong performance and positive contribution are recognised and rewarded
Benefits
• Everyone owns a piece of the company - equity • Hybrid with 3 days a week in the office • 25 days’ holiday a year, plus 8 bank holidays • 2 paid volunteering days per year • One month paid sabbatical after 4 years • Employee loan • Free gym membership through WellHub • Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
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