Credit Risk Underwriter

We are looking for a mortgage underwriter in our busy residental lending team who can assess higher risk and complex mortgage applications to ensure that they are within risk appetite while also upholding exemplary customer service standards.
At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.
For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, at our Swindon or Northampton office. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here.
If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.Who we are looking forYou’ll achieve a lending mandate and apply this across a range of Owner-Occupied mortgage propositions, using your judgement and experience to make fully reasoned underwriting decisions that reflect the need to maximise new business whilst protecting the integrity of our mortgage book. The lending mandate associated with the role carries the authority to make exceptions to lending.
There will sometimes be challenges to your decisions and you’ll need to stay resolute unless new and substantive information is provided, always communicating with your decisions in a way that our customers will understand.What you'll be doing
You must be able to investigate, identify and consider the risks associated with each application and use personal judgement to make holistic lending decisions.
Have the ability to assimilate information quickly
We’ll need you to demonstrate a working knowledge of the mortgage industry, including regulatory requirements and industry best practices.
An individual who can self-motivate and thrive under pressure whilst maintaining accuracy and providing excellent customer service.
Our Customer First behaviours are all about putting customers and members at the heart of how we work together. You can strengthen your application by showing the behaviours that resonate with you, and how you might have already demonstrated these.
Say it straight - This is about being honest and direct with good intent and saying what needs to be said in the room. It’s also about being clear, precise, and using language that we and, importantly, our customers and members can understand.
Push for better - This is about aiming high and constantly looking for better in how we work together and serve our customers and members.
Get it done - This is about prioritising what will have the greatest impact, being decisive and taking accountability for delivering on the end-to-end outcome.
We know applying for jobs can sometimes feel like you’re sending an application into a black hole. We review each application individually. So, it’s a good idea to call out your most relevant experience on your application to give yourself the best chance.
The extras you'll getThere are all sorts of employee benefits available at Nationwide, including:
A personal pension – if you put in 7% of your salary, we’ll top up by a further 16%
Up to 2 days of paid volunteering a year
Life assurance worth 8x your salary
A great selection of additional benefits through our salary sacrifice scheme
Access to an annual performance related bonus
Access to training to help you develop and progress your career
Gympass – Access to a range of free and paid options for health and wellness
25 days holiday, pro rata
Why work for us?Nationwide is the world’s largest building society. With over 15 million customers, we have a relationship with almost a quarter of the UK’s population. We’ve got the scale to compete with the big banks, but we’re not a bank.
As a building society, we’re owned by our members – that’s our customers who have their current account, mortgage or savings with us. It means we can do things differently to deliver our Purpose – Banking – but fairer, more rewarding, and for the good of society.
When you work at Nationwide, you can experience that difference for yourself. You’ll be part of a high-performing, purpose-driven organisation that offers rewarding career experiences and a highly competitive range of benefits to match. You’ll also be joining us at an important time as we seek to reach more and more people in the UK. We want everyone in the UK to know that they don’t have to bank with a bank. They can choose a modern mutual instead.
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