Underwriter, Finance & Banking

Saffron Building Society provided pay range

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Direct message the job poster from Saffron Building Society

Underwriter at Saffron Building Society

Salary: up to £45,000 DOE

Hybrid working - Head Office based in Saffron Walden, Essex

Saffron Building Society is a mutual organisation dedicated to providing exceptional financial services to our members. With a strong commitment to our community and a focus on customer satisfaction, we pride ourselves on our personalised approach and innovative solutions. We are currently seeking a skilled and motivated Underwriter to join our dynamic team.

As an Underwriter, you will play a crucial role within our experienced Underwriting Team in assessing and evaluating mortgage applications, ensuring that we maintain our high standards of lending while supporting our members' needs. You will work closely with our lending teams to make informed decisions based on risk assessment and financial analysis.

• Assess mortgage applications and supporting documentation to determine creditworthiness and risk.
• Make timely, informed lending decisions under time constraints in line with Saffron Building Society’s policies and regulatory requirements.
• Collaborate with the processing team, business development, other internal key stakeholders and directly with mortgage intermediaries to provide exceptional service to our members.
• Maintain accurate records of underwriting decisions, with high attention to detail and communicate outcomes effectively.
• Stay updated on industry trends, regulatory changes, and best practices in underwriting.

• Previous experience in mortgage underwriting preferably with a minimum of 2 years experience within the mortgage underwriting environment.
• Must have complex lending experience, including knowledge of high net worth, self‑employed, Buy to Let, HMO (House in Multiple Occupation), Self Build, Expat mortgages, development finance.
• Strong analytical skills with the ability to assess financial information and risk.
• Excellent communication skills, both written and verbal, with a customer‑focused approach.
• Confident face to face and telephone communication directly with Brokers and customers is essential.
• Proficiency in using underwriting software and Microsoft Office applications.
• Ability to make quick and accurate decisions whilst working within a regulated environment.
• Effectively owning and managing an active pipeline of mortgage applications.
• A relevant qualification in finance (Ce-Map), business, or a related field is desirable.

• A supportive and collaborative work environment.
• Opportunities for professional development and career progression.
• A competitive salary and benefits package, including pension contributions and annual leave.
• The chance to make a positive impact in the community through our mutual ethos.

• 33 days holiday including bank holidays
• Holiday Exchange Scheme (buy or sell holiday days)
• Performance Dependent Annual Bonus
• Company Pension Scheme with 5% Employee and 8.5% Employer contributions (subject to eligibility, T&Cs)
• Life Assurance & Income Protection
• A flexible and supportive working culture including access to mental health first aiders

If you are passionate about helping others and have the skills and experience we are looking for, we would love to hear from you. Please submit your CV.

Saffron Building Society is an equal opportunities employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Associate

Full‑time

General Business and Customer Service

Banking