Senior Mortgage Underwriter (Complex Lending)

Summary: The Senior Mortgage Underwriter (Complex Lending) role involves providing immediate manual underwriting capacity for complex mortgage applications within an award-winning building society. The position requires a seasoned underwriter with a current mandate to manage a high-volume pipeline and ensure compliance with lending regulations. The role is remote with occasional travel and offers a daily rate between £275 and £325. The ideal candidate should have extensive experience in complex lending and be CeMAP qualified.

Key Responsibilities:

• Provide immediate, mandated manual underwriting capacity across DIPs, FMAs, and completions.
• Assess complex credit profiles, with a specific focus on complex income structures and self-build finance.
• Manage high-level broker communications, delivering prompt, pragmatic, and commercially aware lending decisions.
• Navigate the pipeline efficiently using core systems (Finova/MS Teams) while adhering to strict MCOB, TCF, and Consumer Duty regulations.
• Provide mandate-level sign-off for more junior members of the underwriting team when required.

Key Skills:

• A proven interim professional or a highly experienced permanent underwriter available at short notice.
• Must have recent experience holding a senior lending mandate within a Building Society or Specialist Lender.
• Deep technical knowledge of manual underwriting, self-build, and complex income.
• CeMAP qualified.

Salary (Rate): £325 daily

City: undetermined

Country: UK

Working Arrangements: remote

IR35 Status: undetermined

Seniority Level: undetermined

Industry: Other

Detailed Description From Employer:

Senior Mortgage Underwriter (Complex Lending)
£275 - £325 per day
6 months - potential for extension.
Remote with potential for very occasional travel.

Senior Underwriter experienced in complex lending with current mandate required to join an award winning building society.

We need a "safe pair of hands" who can hit the ground running, immediately take on an active lending mandate, and help manage a high-volume pipeline of complex, intermediary-led mortgage applications.

Key Deliverables:

• Provide immediate, mandated manual underwriting capacity across DIPs, FMAs, and completions.
• Assess complex credit profiles, with a specific focus on complex income structures and self-build finance.
• Manage high-level broker communications, delivering prompt, pragmatic, and commercially aware lending decisions.
• Navigate the pipeline efficiently using core systems (Finova/MS Teams) while adhering to strict MCOB, TCF, and Consumer Duty regulations.
• Provide mandate-level sign-off for more junior members of the underwriting team when required.

The Ideal Contractor:

• A proven interim professional or a highly experienced permanent underwriter available at short notice.
• Must have recent experience holding a senior lending mandate within a Building Society or Specialist Lender.
• Deep technical knowledge of manual underwriting, self-build, and complex income.
• CeMAP qualified.