Mortgage Underwriter

 
Job title
 

Mortgage Underwriter

Permanent

Full-time

Location

Stockport, SK1 1HF

Salary

Up to £35,000 per annum plus a full range of employee benefits

It’s an exciting time to be part of Vernon Building Society. With over 100 years of heritage and significant recent investment, we’re focused on growth, modernisation, and creating an exceptional colleague experience.
Our vision is to be 'The first choice for mortgages, savings and employment in Stockport, and to be the preferred choice for specific need/bespoke mortgages in England and Wales'.

Sound interesting? Read about our Underwriting vacancy…

The Role
Our people are important to us (both customers and employees).  We pride ourselves on delivering a high-quality personal service and our colleagues regularly impress our customers by going the ‘extra mile’. The Society is a friendly and supportive place to work with opportunities for personal development.
 
The role offers considerable opportunity to deploy your accumulated skills and experience, and to further develop your career in a growing organisation where you would play an active and important part in its further development.
 
You will be expected to use your judgement, knowledge and experience to personally assess and individually underwrite applications for many types of residential lending and buy to let lending. You will need to deploy sound decision making using appropriate flexibility and delivering good customer care, whilst ensuring you operate within our risk appetite. 
 
The role involves positively and professionally liaising with our sales teams and mortgage intermediaries.  Direct customer contact is also required.
 
The ideal person will be confident and personable, with good communication skills, and with a positive approach to delivery of good customer and commercial outcomes.
Skills & Experience

Conversant and competent to underwrite both residential and buy to let mortgage applications in line with the Society’s Lending Policy, Criteria and risk appetite. Competence will need to be achieved under our Training & Competence Scheme.

The candidate should have proven experience (at least 2 years) in an underwriting or credit risk role in financial services and possess a good knowledge of mortgage regulation. CeMAP (or an equivalent professional qualification) is desirable, although support in achieving this will be available. 

You should have sound analytical and decision-making skills with a strong attention to detail, a high level of numeracy and literacy and good information technology skills. Good verbal and written communication skills are required.  There is a need to be highly organised, with the ability to be flexible and adaptable to prioritise changing workloads.  

Package: 
  • Up to £35,000 per annum based on skills and experience 
  • Pension scheme with 7.5% employer contributions and rising to 10% after 2 years following pension auto enrolment criteria after a 13-week postponement period
  • Annual Bonus Scheme (discretionary scheme).
  • Salary exchange for pensions arrangement.
  • 4 x salary death in service benefit
  • 25 days holiday (plus statutory bank holidays), increasing to 27 days after 2 years.
  • Ad hoc or continual working flexibility under a formal Home Working Policy. 
  • Health Cash-Plan.
  • Cycle to work scheme.
  • Retail discounts package.
  • Employee Assistant Programme.

If you wish to apply, email your CV and covering letter to: HR@thevernon.co.uk

The closing date for receipt of applications is 15th May 2026

The Society reserves the right to close the receipt of applications earlier in anticipation of large application volumes.

General Data Protection Regulations requires us to tell you how we collect, store and process personal data, when registering your interest with us.  For full details about what data we collect about you, please either look at our recruitment privacy notice. 

We hold your personal data on file for a period of 12 months (unless you request otherwise), following this your data will be erased.  You can withdraw consent at any time, to do this, please email or write to us with your request.

Vernon Building Society is committed to promoting equal opportunities in employment. Any applicant will receive equal treatment regardless of age, disability, gender reassignment, marital or civil partner status, pregnancy or maternity, race, colour, nationality, ethnic or national origin, religion or belief, sex or sexual orientation (Protected Characteristics).