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The role ensures compliance with society policies, procedures, and service level agreements to support sound lending decisions that protect the society’s interests. Key duties include reviewing documentation, making documented approve/decline decisions, escalating referrals, completing application check forms, and communicating effectively with intermediaries, customers, and stakeholders. It also covers Activate systems testing support, systems and process manual maintenance, MI reporting assistance, risk management, continuous improvement, and regulatory conduct and financial crime obligations.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/underwriter-job-description-underwriter/261933/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/underwriter-job-description-underwriter/261933.png","ImageObject",442,249,{"name":88,"@type":89},"Sage","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-19","2026-09-14",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",9,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What is the primary purpose of the Underwriter role?","Question",{"text":109,"@type":110},"To assess and process mortgage and additional borrowing applications through to offer stage in full compliance with society policies, procedures, and service level agreements.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What are the key mortgage underwriting duties?",{"text":114,"@type":110},"Assess and underwrite applications against product criteria, review documentation for completeness and correct system input, make documented approve or decline decisions, complete mortgage application check forms, and refer or escalate cases outside mandate.",{"name":116,"@type":107,"acceptedAnswer":117},"What regulatory and financial crime conduct obligations apply?",{"text":118,"@type":110},"Act with integrity and due skill, care and diligence; treat customers fairly; cooperate with the PRA and FCA; and follow anti-money laundering procedures, report suspicions in line with internal processes, and avoid tipping off customers.","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},261933,1790314016,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"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},687197207057,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Job Description  \n| Job Title | Underwriter |  |\n| --- | --- | --- |\n| Date & Version | July 2025 | Version: 1.0 |\n| Reports to: | Chief Underwriter |  |\n| Direct Reports: | None |  |\n| Produced by: | Head of Underwriting & Financial Support |  |\n\nLeek, St Edward Street  \n Permanent  \n 35 hours  \n\n| Job, purpose and scope |\n| --- |\n| As a key member of the Mortgage Underwriting Team, the role is responsible for assessing and processing new mortgage and additional borrowing applications through to offer stage. This must be done in full compliance with the Society’s policies, procedures, and service level agreements, ensuring sound lending decisions that protect the Society’s interests.\u003Cbr>The role demands a commitment to delivering exceptional customer service while maintaining operational integrity and regulatory compliance. The job holder will also proactively identify and challenge existing processes to enhance customer experience and drive business efficiency. |\n\n\n| Duties and key responsibilities |\n| --- |\n| |\n| Mortgage Underwriting\u003Cbr>• Assess and underwrite mortgage and additional borrowing applications in line with product criteria, Responsible Lending Policy, and service standards.\u003Cbr>• Review submitted documentation to ensure completeness, accuracy, and correct input into the Activate system.\u003Cbr>• Provide clear, well-reasoned decisions to approve or decline applications, documenting rationale appropriately.\u003Cbr>• Identify cases requiring referral to internal/external parties or escalation to higher mandate holders.\u003Cbr>• Complete all required Mortgage Application Check Forms, applying relevant conditions, hold codes, and collateral codes.\u003Cbr>• Recommend any cases outside mandate to the management team and ensure all cases hold a robust documented rationale for the lending decision.\u003Cbr>Communication\u003Cbr>• Communicate promptly and professionally with intermediaries, customers, and colleagues to ensure efficient application processing and accurate information exchange.\u003Cbr>• Liaise with internal and external stakeholders to progress applications to offer stage within agreed timescales, proactively chasing outstanding items. |\n\n1  \n\n| Duties and key responsibilities |\n| --- |\n| Systems Management\u003Cbr>• Support testing of new software releases on the Activate system, reporting issues and proposing solutions as needed.\u003Cbr>• Maintain and update relevant sections of the Systems and Process Manuals.\u003Cbr>• Ensure all systems are accurately updated following each interaction or decision point.\u003Cbr>Management Information (MI)\u003Cbr>• Assist in the preparation and delivery of MI reports relevant to the underwriting function.\u003Cbr>Change & Continuous Improvement\u003Cbr>• Support the implementation of new processes, procedures, and system updates.\u003Cbr>• Actively contribute feedback and suggestions to improve operational efficiency and customer experience.\u003Cbr>Risk Management\u003Cbr>• Identify and mitigate risks within the underwriting process, ensuring all risk events are recorded in accordance with policy.\u003Cbr>General Duties\u003Cbr>• Perform any other reasonable duties as required, including providing cover for colleagues to maintain service continuity. |\n\n\n| Conduct Obligations |\n| --- |\n| Conduct Rules\u003Cbr>All employees and NEDs are expected to act in accordance with the PRA and FCA Conduct Rules:\u003Cbr>• You must act with integrity.\u003Cbr>• You must act with due skill, care and diligence.\u003Cbr>• You must be open and co-operative with the FCA, the PRA and other regulators.\u003Cbr>• You must pay due regard to the interests of customers and treat them fairly.\u003Cbr>• You must observe proper standards of market conduct.\u003Cbr>• You must act to deliver good outcomes for retail customers.\u003Cbr>Financial Crime\u003Cbr>All employees and NEDs are expected to:\u003Cbr>• Be aware of their personal legal obligations and the legal obligations of the Society in relation to Financial Crime\u003Cbr>• Be aware of the Society’s Anti-Money Laundering systems and controls and follow the Society’s procedures\u003Cb","cbCairl5u5IgqNXS","https://ap.wps.com/l/cbCairl5u5IgqNXS","pdf",149887,"English","# Job, purpose and scope\n# Duties and key responsibilities\n## Mortgage Underwriting\n## Communication\n## Systems Management\n## Management Information (MI)\n## Change & Continuous Improvement\n## Risk Management\n# Conduct Obligations\n# Person Specification","[{\"question\":\"What is the primary purpose of the Underwriter role?\",\"answer\":\"To assess and process mortgage and additional borrowing applications through to offer stage in full compliance with society policies, procedures, and service level agreements.\"},{\"question\":\"What are the key mortgage underwriting duties?\",\"answer\":\"Assess and underwrite applications against product criteria, review documentation for completeness and correct system input, make documented approve or decline decisions, complete mortgage application check forms, and refer or escalate cases outside mandate.\"},{\"question\":\"What regulatory and financial crime conduct obligations apply?\",\"answer\":\"Act with integrity and due skill, care and diligence; treat customers fairly; cooperate with the PRA and FCA; and follow anti-money laundering procedures, report suspicions in line with internal processes, and avoid tipping off customers.\"}]","Underwriter - Job Description - Underwriter | PDF",1789357615]