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Covers processing and approval of Mortgage Offers and retention releases within agreed mandates, maintaining understanding of green building concepts, and building technical competencies under the Society’s training scheme. 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Knowledge of mortgage regulation and legislation is also required.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},258789,1790430070,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":15,"category_name":16,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":76,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":9},687207412472,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","| Role Title: | Mortgage Underwriter |\n| --- | --- |\n| Reporting to: | Head of Credit & Underwriting |\n| Direct Reports: | N/A |\n| Salary: | £28,000 to £35,000 (depending upon experience) |\n| Contract: | Permanent, Full Time |\n| Hours: | 35 hours per week, Monday – Friday, 7 hours per day, between the hours of 8amand 6pm (one-hour unpaid lunch) |\n| FTE: | 1.0 FTE |\n| Place of Work: | Silsden / Hybrid with a minimum of 3 days in the office (as agreed with manager) |\n| Benefits: | 25 days holiday, plus bank holidays, Company Pension |\n\n\n| Ecology’s Purpose |\n| --- |\n| In a world that doesn’t add up, daring to be different is our calling, lending our power so everyone’s story gets a chance to thrive. |\n\n\n| Role Purpose |\n| --- |\n| Responsible for the underwriting for customers seeking a regulated residential mortgage loan, while ensuring adherence to the Society’s Lending Policy and Mortgage Procedures and compliance with all PRA / FCA guidance and regulations. |\n\n\n| Main Duties & Areas of Responsibility |\n| --- |\n| • The underwriting of all regulated residential mortgage applications and further advances in accordance with the society ethical framework, ecological requirements, Mortgage Procedures and Lending Policy.\u003Cbr>• The processing and approval within the agreed lending mandates of all Mortgage Offers, Retention Releases and Further Advances in line with the Society Mortgage Procedures and Lending Policy.\u003Cbr>• Development and maintenance of a sound understanding and knowledge of key “green” building concepts and changing ecological requirements.\u003Cbr>• Development and maintenance of personal technical skills and competencies as part of the Society Training and Competency Scheme.\u003Cbr>• Maintain an awareness of the impact of all activities on the Society Risk Matrix and specifically Operational Risk and Credit Risk, reporting risk events as necessary.\u003Cbr>• Ensure knowledge of and adherence to all appropriate Mortgage Regulation and Legislation e.g. PRA, FCA, MCOB, TCF, Conduct Risk & Consumer Duty etc. |\n\n• Understanding and implementation of agreed organisational policies and procedures – Fraud, Money Laundering, Data Protection, Information Security, Health & Safety, Complaints.  \n• Support the Head of Credit & Underwriting in the identification of improvements to existing processes and procedures which will enhance overall service effectiveness and efficiency.  \n• Maintain quality standards, minimising errors through a high degree of accuracy.  \n• Support the development of the Society’s Operating Plan.  \n• Attend external events where required.  \n• The successful completion of the appropriate regulatory qualification CeMAP within 12 months of commencing the role.  \n\n| Skills and experience |\n| --- |\n| • Minimum 2 years’ experience in mortgage underwriting.\u003Cbr>• Ideally CeMAP qualified or an appetite to attain qualification within 12 months of commencing the role.\u003Cbr>• Understanding of Mortgage Regulation and Legislation e.g. PRA, FCA, MCOB, TCF, Conduct Risk & Consumer Duty.\u003Cbr>• Ability to provide rationale to decision making.\u003Cbr>• Excellent Written and Verbal communication.\u003Cbr>• Excellent Customer service.\u003Cbr>• Organisation skills. |\n\n\n| Other |  |\n| --- | --- |\n| • | You have a legal duty to take reasonable care of your own health and safety and that of others |\n| • | and you are expected to be familiar with, and adhere to Ecology’s Health and Safety Policy Ensure your work, communication and approach conforms to the values and behaviours of the Society. |\n| • | Keep up to date, and comply with Ecology’s rules, Policies and Procedures as detailed in the staff handbook. |\n| • | Undertake any reasonable duties requested by management. |\n| • | This role has a six-month probation period. |\n\n\n| Values |  | Behaviours |\n| --- | --- | --- |\n| Fairness:\u003Cbr>Treating everyone individually and with respect |  | Respect: Due regard, care and consideration for colleagues, members, community, and the environment. |\n|  |  | Shared Purpo","cbCain28SSFUXUVV","https://ap.wps.com/l/cbCain28SSFUXUVV","pdf",228919,"English","# Role Title\n## Role Purpose\n## Main Duties & Areas of Responsibility\n## Skills and experience\n## Other\n## Values","[{\"question\":\"What is the main purpose of the Mortgage Underwriter role?\",\"answer\":\"The Mortgage Underwriter is responsible for underwriting regulated residential mortgage loans while ensuring adherence to the Society’s Lending Policy, Mortgage Procedures, and PRA/FCA guidance and regulations.\"},{\"question\":\"What are the key duties in underwriting and approvals?\",\"answer\":\"The role underwrites mortgage applications and further advances, processes and approves Mortgage Offers, retention releases, and further advances within agreed lending mandates.\"},{\"question\":\"What qualifications and experience are required?\",\"answer\":\"The role requires a minimum of 2 years’ mortgage underwriting experience and ideally CeMAP qualification or willingness to achieve it within 12 months. Knowledge of mortgage regulation and legislation is also required.\"}]","Mortgage Underwriter Job Description - 2024 | PDF",1789326041]