Kind Consultancy is working with a major UK Financial Services brand which is currently seeking multiple Senior Underwriters for a remote contract opportunity, for an initial six month, full time contract paying £31.02 per hour via umbrella.

A key component of the Mortgage Operations division of the business, the Senior Underwriters are responsible for the assessment of the highest risk mortgage enquiries and the customer journey from Decision in Principle to Mortgage offer, with key responsibilities including:

• Making lending decisions up to £1.5m that comply with the organisation's risk appetite, policy requirements, internal underwriting guidelines and are within your mandated authority limits
• Ensuring all lending decisions comply with regulatory requirements such as MCOB, Responsible Lending, Consumer Duty.
• Where appropriate, identifying and agreeing high quality exceptions to standard lending policy to support the business's growth aspirations.
• Communicating with customers to fully explaining lending decision rationale.
• Proactively managing your own performance, monitoring your success and taking action to improve your performance and capability.
• Consistently delivering agreed targets and Service Level Agreements, demonstrating a strong commitment to delivering high quality lending decisions.

Our ideal candidate for the Senior Underwriting contract:

• Has 2 or more years of mortgage underwriting experience and currently hold an active mortgage full discretion (i.e. ability to agree lending outside of standard policy) Lending Mandate of at least £500,000.
• Has a detailed knowledge of the regulatory framework which applies to mortgages and is able to apply this consistently to all decisions.  Regulations include:
  • MCOB including responsible lending principles
  • FCA vulnerable customer guidance
  • PRA Portfolio Landlord lending standards

• Demonstrates strong analytical and numerical skills.
• Is a great communicator, confident engaging with customers and stakeholders (both internal and external) to gather relevant information, relay decisions, and maintain accurate and appropriately detailed records of underwriting decisions and their supporting rationale.
• Is able to be empathetic and flexible in underwriting decisions, always aiming to always deliver the best outcome for both customer and the business.
• Has excellent Relationship-building skills -  building strong internal and external relationships is central to being successful in this role.
• Is enthusiastic and driven to deliver great service internally and externally to support the mortgage strategy.
• Is able to manage own performance, monitoring your success and taking action to improve your performance/capability.

If you're interested in the Senior Underwriter contract, you're available to start in mid-February 2025 and you have the necessary skills, knowledge and experience, please apply with an updated CV today.