Bluestone Mortgages is a fast growing, dynamic, customer focussed, complex credit lender, focused on supporting disenfranchised customers to achieve their dreams of home ownership.  We are on a mission to become the best complex credit lender in the UK and we’re looking for people who are passionate about supporting customers. As well as people who are ambitious, creative and resourceful to help us grow and support an ever increasing demand for our products and services.

We balance technology with personable and empathic people to create a powerful force in the intermediary mortgage market, utilising a holistic approach to assessing our customers' circumstances to ensure we give credit where credit is due.

If you’re willing to roll up your sleeves, contribute to new ideas and believe anything is possible, you’re our kind of person!  

The role will be based in either London or Sheffield with some travel expected between the two offices. A portion of time will be 'work from home'.

Job Overview:

To provide excellence in customer service, contributing to the delivery of the Company's lending objectives by underwriting mortgage applications through the mortgage process to offer.

Key responsibilities:

• To process and underwrite mortgage applications in accordance with the Company's policies.
• Approve mortgages in accordance with Board authorities.
• Authorize releases and transfers of security/equity in accordance with Board authorities.
• Support development of mortgage intermediaries/sales channels in conjunction with BDMs to improve the quality of business submitted. This will include working from mortgage intermediaries offices if a roving underwriter.
• Achieve agreed service levels and recognized best practice in respect of mortgage underwriting
• Observe regulatory and ethical standards.
• Deliver excellent customer service through decision making, attention to detail, problem solving and communication
• To deliver excellence in customer service and shareholder value, making decisions in line with the Company's responsible lending and underwriting policies.
• Demonstrate compliance with the Company's policy and procedures.
• Operate in accordance with the regulatory requirements as applied by the Company's responsible lending and underwriting policies.
• Comply with the provisions of the Money Laundering Regulations 2007 (and any successors thereafter) and the Company's Financial Crime policies and procedures.
• Maintain adequate records in accordance with regulatory requirements for such matters as affordability calculations, KFis, underwriting records, questionnaires etc.
• Maintain current knowledge of all aspects of applicable regulations.
• Participate in training and continuing professional development (CPD).

Skills & Requirements

• Previous specialist lender mortgage experience
• Underwriting experience 
• Strong Team player
• Good attention to detail
• Good Clear Communication
• Ability to work under pressure and to strict timescales

Your Wellbeing – we take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include

• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Contributory pension scheme & death in service

Your lifestyle – it is important that you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Competitive Salary
• 26 day’s annual leave
• Pension
• Hybrid Working
• Offices in London and Sheffield
• Positive and supportive environment

Your contribution – We’re focused on rewarding those that go the extra mile in helping us achieve our goals

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done