Offer summary

Qualifications:

Minimum of two years mortgage experience with an Active Full Discretionary mortgage Lending Mandate of at least £500,000., Detailed knowledge of mortgage regulatory frameworks including MCOB and FCA guidelines., Strong analytical and numerical skills with proven ability to drive results., Excellent communication skills for engaging with customers and stakeholders..

Key responsabilities:

Make lending decisions up to £1.5m in compliance with bank policies and regulatory requirements.

Communicate lending decision rationale clearly to customers.

Monitor personal performance and take action to improve capability and results.

Identify improvements to policy and process to enhance efficiency and reduce rework.

Job description

Business Unit: COO, Mortgage Operations

💰: £32,800 - £41,000 per annum DOE + red-hot benefits

📍: UK Remote

Live for the weekday. Live a life more Virgin.

Our Team🫶

Our Senior Underwriting team plays a key role in our Mortgage Operations, handling the assessment of high-risk mortgage applications and guiding customers through the journey from decision in principle to mortgage offer.

It’s a big responsibility, we take pride in making thoughtful, responsible lending decisions that protect both our customer and the bank. By putting customers at the heart of everything we do, we ensure they feel supported and confident at every step of the process.

We’re innovative but careful, using our expertise not only to make sound lending decisions but to support the wider business and continuously enhance the customer experience.

What you’ll be doing🤩

Making lending decisions up to £1.5m that comply with the Banks 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, identify and agree high quality exceptions to standard lending policy to support the banks growth aspirations.
Communicating with customers to fully explaining lending decision rationale.
Proactively manage 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 delivery high quality lending decisions.
Identify improvements to policy and process and suggest ways to maximise efficiency, increase capability and reduce rework.

We need you to have🔑✨

A minimum of two years mortgage experience and currently hold an Active Full Discretionary mortgage Lending Mandate of at least £500,000.
Detailed knowledge of the regulatory framework which applies to mortgages and apply this consistently to all decisions. Regulations include: MCOB including responsible lending principles, FCA vulnerable customer guidance, PRA Portfolio Landlord lending standards.
Demonstrated experience applying strong analytical and numerical skills to drive results
Great communication skills and are 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.
The ability to be empathetic and flexible in underwriting decisions is key, always aiming to deliver the best outcome for both customer and the Bank.
Proven ability to build and maintain strong internal and external relationships, with relationship building skills being fundamental to success in this role.
Enthusiasm and drive to deliver great service ethos internally and externally to support the mortgage strategy.
Ability to manage your own performance, monitoring your success and taking action to improve your performance/capability.
Proven enthusiasm and drive to deliver exceptional service, both internally and externally, in support of the mortgage strategy.

It’s a bonus if you have but not essential🧁

Proven track record of delivering continuous improvement
Banking Qualifications
Coaching and Development Experience

Red Hot Rewards🔥🎁

Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
Up to five extra paid well-being days per year.
20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
Market-leading pension.
Free private medical cover, income protection and life assurance.
Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.

And there's no waiting around, you'll enjoy these benefits from day one.

Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out🏃‍♀️💨.

We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you🤝.

⏰Applications Close: 17 Mar 2025 (11.55pm GMT).

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