Job Description

If you are looking for a role with a great purpose and a chance to develop, then joining as an Underwriter in our Mortgage team could well be the opportunity for you.


Our underwriters undertake key commercial work for YBS, but importantly they also help people buy their homes, and that is something you can proud of.

About the role

As Mortgage Underwriter you'll be responsible for making excellent lending decisions that are in line with our risk policy for new mortgages.


Day to day you'll own and manage mortgage applications from receipt to the release of funds and carry out risk assessments. Using your knowledge and experience, you also challenge lending decisions, build great relationships with internal and external stakeholders and manage your work in line with service standards.


All of this is underpinned with an appreciation of the customer. You'll deliver fair outcomes for them, provide a great service and tailor your approach to customer requirements. You'll be first line of defence for any complaints and communicate lending decisions with customers clearly and effectively.


This is an exciting role where you can balance the needs of customers, intermediaries and responsible lending every day.

Please Note: This role is mainly office based, hybrid working can be offered once fully competent in the role, however you will be expected to be in the office 2-3 days a week. Please be aware that your full training period will require full time attendance in the office.

About you

Ideally, you have experience as a Mortgage Underwriter but don't be dissuaded from applying if not. If you have underwriting experience on different types of financial products, have extensive experience/knowledge of mortgages or within customer service then we'd love to hear from you.


Alongside this, you'll need:

Great time management skills Excellent communication skills, both verbal and written, with the ability to communicate with a range of people internally and externally Analytical and methodical thinking, with a natural ability to be curious and identify where further information will be required Excellent decision-making skills with an aptitude for making appropriate lending decisions in a fair and consistent manner. Ideally but not essential experience of Shared Ownership and LTD Company BTL

About us:

At YBS we don't have shareholders, we have members. We care about people and that includes you. So here, you'll be respected for who you are, you'll be able to bring your whole self to work, and you'll have everything you need to build a long and rewarding career.

Flexibility

We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it's finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We're happy to talk flexible working and you can reach out to us anytime during the recruitment process to discuss this.

Development.

We want you to feel challenged here. Whatever your ambitions, we're committed to helping you develop your skills and move ahead in your career journey. From day one, we'll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity.

We're passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you'll go the extra mile to help our members, you'll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

Holiday.

You'll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.

Bonus.

At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).

Pension.

We know how important it is to save towards the future, that's why we'll contribute up 11% into your YBS pension.

Healthcare.

Health and wellbeing are an important part of life at YBS, when you join us you'll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.

My Benefits.

When you join YBS you'll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.

Want more information?

If you have any questions about this role, please contact Chelsey Phillips on CPhillips@ybs.co.uk