Mortgage Underwriter

Job Description

We’re recruiting for a Mortgage Underwriter to join us. We’re offering a competitive base salary. 

We’re looking for an Underwriter to join our Home Finance team, where you’ll play a key role in assessing complex applications and supporting high-quality customer outcomes. This is an opportunity to apply your technical expertise while collaborating with colleagues and stakeholders to deliver efficient, fair and well-informed underwriting decisions.

You’ll be part of a supportive and inclusive environment that values diverse perspectives, encourages continuous development and promotes flexible ways of working. Whether you’re building your expertise or bringing established experience, you’ll have the opportunity to make a meaningful contribution to both customer outcomes and business performance.

What you'll be doing:

• Assessing and processing medium to high risk or complex underwriting cases within agreed mandates
• Reviewing applications to ensure risks are understood, documented and managed appropriately
• Communicating with customers and third parties via telephone, email and written correspondence to gather required information
• Ensuring underwriting decisions align with guidelines, audit standards and regulatory expectations
• Supporting and mentoring colleagues by sharing knowledge, guidance and best practice
• Analysing underwriting data to identify trends, insights and potential improvements
• Managing daily workflow and monitoring service levels to ensure timely case progression
• Collaborating with internal teams and external partners to support business and customer outcomes

Who we're looking for:

• Previous experience within financial services or underwriting, or transferable experience in a similar environment
• Strong analytical skills with the ability to assess risk and make balanced, informed decisions
• Excellent written and verbal communication skills with attention to detail
• Confidence engaging with customers and stakeholders across different channels
• Good organisational skills with the ability to manage workload effectively in a fast-paced environment
• A collaborative approach with the ability to support and develop others
• Comfort working with data, identifying trends and contributing to continuous improvement
• Awareness of regulatory requirements such as AML, data protection and treating customers fairly

Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer:

• The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes
• Generous pension contribution
• Life assurance
• Healthcare Plan (permanent employees only)
• At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday
• Competitive family leave
• Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only)
• There are many discounts we offer – both for our own products and at a range of high street stores and online
• We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience

Additional Information

At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. 

If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.

We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. 

It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.