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Mortgages Underwriter

Cardiff

  1. Full time

About the job

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This vacancy has now expired. Please see similar roles below...

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Admiral Money are looking for a Mortgage Underwriter to join their growing Specialist Mortgages team!

Admiral Money was established in 2016. The company has been built on strong, long-term foundations. It achieved profits of circa £10 million in 2023 and is a well-capitalized business with a strong culture towards long term growth and risk management.

As part of its ongoing growth strategy, Admiral Money is now diversifying its portfolio from a single-product offering to a broader suite. The business has recently launched motor finance and Specialist Mortgages, with a view to having three meaningful product lines as the company evolves.

The role

This is an exciting opportunity to join a small and growing team that are looking to do things differently. We have a vision of revolutionising the secured lending industry by driving innovation, enabling unparalleled speed of lending, and cultivating strong partnerships, we want to recruit passionate people who when they see a better way look to be part of the solution.

The purpose of the role is to support our business in building a strong, performing portfolio of customers by implementing our Lending Policy and delivering great customer outcomes.

You will be an integral part of our ongoing commitment to excellence by providing feedback to help inform the underwriting strategy and enhance our ways of working. You will work in a friendly and supportive team who are ambitious in nature and always striving for the best outcomes.

We are looking for people who are keen to learn, excited about getting stuck in and are ready for a challenge to help us to achieve our aim of being the best specialist lending business in the UK

What you will be doing

  • Ensuring SLAs are met and where possible, exceeded for our intermediaries and customers
  • Demonstrating an understanding of our Credit Policies, lending rules and appetite
  • Demonstrating an excellent knowledge of the Second Charges Market and Specialist Lending Market
  • As a mandate holder, interpreting the spirit of the FCA rulebook and demonstrating the desired outcomes
  • Ensuring all information for customers and creditors is correct, ensuring good outcomes for AFSL and the consumer
  • Communicating with external and internal customers to the highest standard.
  • Ensuring loans are underwritten within mandate and are of the highest quality

About you

  • Preferably CEMAP qualified
  • Previous working experience in a regulated (Preferably specialist) lending environment
  • Comfortable working to targets/deadlines
  • Analytical and comfortable in taking decisions and committing to action
  • Attention to detail is essential for ensuring accuracy
  • Excellent communication skills, both verbal and written
  • Ability to work independently as well as part of a team

Please note this is a hybrid role based in our Cardiff office a minimum of two days a week, with working hours Monday - Friday 10am-6pm. 

Salary, Benefits and Work-Life Balance

At Admiral, we are proud to be a diverse business where we put our people and customers first. We have great benefits to ensure employees have a great work-life balance; it's one of the reasons we’re consistently voted one of the Sunday Times Best Big Companies to Work For in the UK. All colleagues will receive 33 days holiday (including bank holidays) when they join us, and this will increase with length of service, up to a maximum of 38 days (including banks holidays). You also have the option to buy or sell up to five days of annual leave in addition to your allocation.

You can also view some of our other key benefits here.

  1. Full time
  2. Finance Services

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Cardiff

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Our Benefits

Admiral employees work hard to keep us at the top of our industry, and are rewarded for it—with competitive pay, a share package, career growth and development opportunities and some other great benefits, too!

People who like what they do, do it better.

Be You

Financial & Mortgage Advice

Financial & Mortgage
Advice

Ecare

24-Hour
Ecare

Cycle to Work Scheme

Cycle to Work
Scheme

Annual Holiday Allowance

Annual Holiday
Allowance

Flexible Working

Flexible
Working

Simply Health

Simply
Health

Private Health Cover

Private Health
Cover

Critical Illness Cover

Critical Illness
Cover

Grow & Progress

Learning and Development

Learning and
Development

Educational Sponsorship

Educational
Sponsorship

Accredited Qualifications ILM

Accredited
Qualifications ILM

iLearn

iLearn
Online Learning

Buy a Book Scheme

Buy a Book
Scheme

Developmental Coaching

Developmental
Coaching

Port of Calls

Port of
Calls

Internal Mobility

Internal
Mobility

Make a Difference

Groups & Societies

Groups and
Societies

Socials & Team Days Out

Socials and Team
Days Out

Multi Faith / Quiet Rooms

Multi Faith / Quiet
Rooms

Admiral Community Fund

Admiral Community
Fund

Give as You Earn

Give as You
Earn

Awards & Star Lunches

Awards and Star
Lunches

Corporate Social Responsibility

Corporate Social
Responsibility

Impact Hours

Impact
Hours

Share In Our Future

Share Schemes

Share
Schemes

Refer a Friend Bonus

Refer a Friend
Bonus

Colleague and Family Discount

Colleague and Family
Insurance Discount

Group Life Assurance

Group Life
Assurance

Pension

Pension
Scheme

Life Event Loan

Life Event
Loan

Tickets to Sponsored Events

Tickets to Sponsored
Events

Tusker

Tusker Salary
Sacrifice

Click here to download our full benefits brochure