Underwriter, Finance & Banking

Job Overview

To consistently provide an effective and efficient mortgage underwriting service from application to completion. You will underwrite mortgage applications within lending policy and your approved mandate, delivering exceptional professional service to all parties involved in the mortgage origination process – always putting the customer first and adhering to Consumer Duty requirements.

• Maintain the quality of the overall mortgage book by exercising your underwriting mandate with strong credit assessment skills
• Ensure all applications are underwritten in line with internal policies, procedures, criteria, and regulatory guidelines
• Provide well‑reasoned recommendations for cases outside of mandate, with robust documented rationale
• Build and maintain strong relationships with internal teams and external partners including packagers, brokers and solicitors
• Meet key performance indicators and agreed service levels
• Demonstrate proactive communication and strong organisational skills to achieve stretching targets
• Maintain up‑to‑date knowledge of market, financial, and regulatory requirements
• Take ownership of personal development and continuous learning
• Handle telephone calls confidently, including B2B communication
• Assess Decision in Principle (DIP) and full mortgage applications through all key stages
• Support the Manager with additional tasks and activities as required

You're a confident and experienced underwriter who thrives in a fast‑paced environment and enjoys making sound, evidence‑based lending decisions.

• Held an underwriting mandate within a commercial or mortgage environment
• Experience in specialist lending, including complex structures and specialist property types such as HMO, MUBs, STLs, and Limited Company borrowing
• Strong understanding of all stages of the mortgage application process
• Knowledge of the regulatory landscape including DPA, Money Laundering, TCF, MCOB, Fraud awareness and Consumer Duty
• Excellent decision‑making and organisational skills
• Ability to work to strict deadlines while maintaining productivity and accuracy
• Adaptable, flexible and customer‑focused
• Strong team player with a positive, approachable attitude
• Confident communicator who remains calm under pressure
• PC literate with Microsoft Office and Outlook

• CeMAP qualified (or willing to study towards qualification)
• Experience with in Financial Services and awareness of Consumer Duty (CD), Treating Customers Fairly (TCF) and ESG frameworks

Please note:

As you can appreciate we are currently overwhelmed with applications of individuals looking for both short term and permanent work and we can therefore only contact those applications that have relevant skills for positions that we currently have available. Should you not hear from us within a week, please assume you have been unsuccessful on this occasion.

In line with GDPR regulations, we are making you aware that to proceed with your application we will need to contact you via email, telephone and/or text message. To receive future job alerts from us, you will be required to provide consent within our marketing preference options. The link will be provided in an email to you.

Source4 are an equal opportunities employer and complies with all relevant UK legislation.

If you are successful in your application, you will be required to attend a full registration with one of our Consultants which will involve you providing a current passport, any relevant visas, a proof of address and completing relevant tests and a full competency based interview.