Job Description

MORTGAGE UNDERWRITER

An exciting opportunity to work with a team responsible for driving change to create a seamless mortgage application process for both direct and introduced business. We are looking for an enthusiastic individual who will question existing processes and procedures, offer suggestions and alternatives using our values and help us achieve our mortgage target.

To be considered for this role you will have proven experience in manual mortgage underwriting environment with a current or recent mortgage underwriting mandate.

Salary:

30,000 - 38,000 per year depending on skills and experience

Location:

Head office, Tipton (DY4 8HG)

Hours:

Permanent full-time position working 35 hours per week

The Society is able to offer hybrid working, following successful completion of an initial probationary period, you would be able to work 2 to 3 days at home each week.

In this role you will:

Manage new applications to ensure high levels of accuracy, making sure all applications are fully compliant and processed in a timely manner. Review applications in accordance with the Society's lending policy and making a recommendation on the underwriting of the application. Communicate with internal and external stakeholders to proactively provide updates and progress the case within the agreed SLA's. Proactively review and manage pipeline cases. Issue Mortgage Offer's in an accurate, concise, and timely manner.

To be successful you will have:

A strong result driven focus Excellent workload prioritisation, attendance, and time management skills. Ability to produce accurate work whilst working to deadlines Excellent communication skills, both written and oral with a mature, credible and comfortable approach dealing with all third parties and colleagues. Excellent administrative skills, and PC skills covering Microsoft Office suite of products. Adaptable to new technology as required, including the use of Laserfiche. Ability to provide excellent customer service and to embrace the principles of Treating Customers Fairly and the Society's values.

Qualifications & Experience:

CeMap Qualified, working towards or a willingness to study. Proven experience in a manual mortgage underwriting environment A current or recent mortgage underwriting mandate A minimum of 5 GCSE grades 9 to 4 / A to C (or equivalent) including Maths and English.

Why join us at the Tipton?

Located in the heart of the Black Country, here at the Tipton & Coseley Building Society we've created a working environment where employees can pursue worthwhile and rewarding careers, where creativity and productivity are encouraged, recognised and valued.
Our head office is based in the centre of Tipton, with local amenities including a local park and canal suitable for lunch time walks, and a local train station connecting to nearby city centres including Wolverhampton and Birmingham.

Being a smaller building society, you will have access to all decision makers. Our open and approachable stance means you will cross paths with senior team members daily and your thoughts, recommendations, and ways of thinking differently will be respected and considered.

Other benefits include:

25 days' annual leave plus public bank holidays Staff annual discretionary bonus scheme Pension contribution Life assurance of 4 x basic salary Private Healthcare
Permanent Health Insurance Health Cash Plan Access to internal Mental Health First Aiders Access to a Wellbeing hub and Employee assistance programme Celebration days Volunteering opportunities Benefit Hub subscription: giving access to a wide range of discounts across many different sectors Free parking
*Access subject to length of service requirement

Applications:

If you would like to apply, please send your full CV with a covering letter indicating your suitability for the role by close of business on Tuesday 4 November 2025.

To view our Recruitment Privacy Notice, please click on the link below:

https://www.thetipton.co.uk/media/1wgj14vm/privacy-notice-recruitment-v5-april-2025.pdf

Tipton & Coseley Building Society is proud to be an equal opportunity employer. We are firmly committed to creating and maintaining a diverse and inclusive workplace in which all employees are valued, respected, safe, supported, and listened to without judgement or prejudice. We celebrate difference and encourage everyone to join us and be themselves at work. Please let us know if you need reasonable adjustments for any part of the recruitment process and we will be happy to assist.

Job Types: Full-time, Permanent

Pay: 30,000.00-38,000.00 per year

Benefits:

Company pension Enhanced maternity leave Enhanced paternity leave Life insurance On-site parking Paid volunteer time Work from home
Application question(s):

How many years experience do you have in a manual mortgage underwriting environment? Are you CeMap qualified?
Education:

GCSE or equivalent (required)
Work authorisation:

United Kingdom (required)
Work Location: Hybrid remote in Tipton DY4 8HG