Underwriting Administrator / Mortgage Administrator - Leeds

Role: Underwriting Administrator / Mortgage Administrator - Leeds or Sheffield

Location: Hybrid, Leeds or Sheffield, 2-3 days on site, 2 days from home

Start Date: January 2027

End Date: 6 to 12 Months

Daily Rate: Inside IR35 Daily Rate breakdown

Traditional Daily Rate: £140 Per Day

Agreed Contract Rate (ACR): £107 Per Day (when deductions removed)

Equivalent Annual Salary: £27,938 (includes holiday pay)

Payroll provider – Rockford Payroll Info for Contingent Workers – Rockford Pay

“Deloitte sets the requirements for the assignment. Rockford Resourcing acts as the agency on behalf of Deloitte and is responsible for sourcing candidates to fulfil the assignment. Successful candidates will be employed by Rockford Payroll. Rockford Payroll is responsible for the Associate’s employment, pay and applicable employment-related processes.”

Role Overview:

An Underwriting Administrator plays a crucial support role within the underwriting department, primarily responsible for assisting underwriters by managing administrative tasks that facilitate the underwriting / lending process. Delivers accurate, efficient and consistent decisions on high-volume, lower-risk and lower-complexity mortgage applications. The role assesses cases against defined credit policy and process parameters, uses judgemental lending only where permitted within credit policy and delegated authority, and escalates exceptions or complexity promptly.

Case scope and lending authority

• High-volume, straightforward residential mortgage applications presenting low or standard risk.
  

• Cases that can be assessed using established policy, evidence standards, process controls and system-supported decisioning.
  

• Applications within the individual’s delegated lending authority and product limits.
  

• Judgemental lending may be used only within credit policy and the applicable authority framework; this is expected to be limited.
  

Key Responsibilities

• Assess mortgage applications accurately against credit policy, responsible lending requirements and documented procedures.
  

• Validate customer information and supporting evidence, including income, expenditure, credit commitments, affordability and property details.
  

• Make approve, decline, conditional accept or refer decisions within delegated authority.
  

• Use judgemental lending only where the case remains within credit policy and the available evidence provides a sound basis for decisioning.
  

• Maintain accurate case records and concise decision notes that provide a clear audit trail.
  

• Use systems, automation and AI-supported tools appropriately, checking their outputs and escalating anomalies or concerns.
  

• Manage assigned cases and outstanding requirements efficiently to meet service standards and support timely customer outcomes.
  

• Communicate clearly with customers, brokers, advisers and internal stakeholders, setting expectations and explaining requirements.
  

• Complete required training, accreditation, quality activity and coaching to maintain competence and delegated authority.
  

• Share feedback on recurring issues and support process improvements that increase consistency, quality and efficiency.
  

Skills, knowledge and experience

• High attention to detail and the ability to manage volume while maintaining quality.
  

• Clear written and verbal communication and confidence in requesting evidence or explaining decisions.
  

• Ability to learn, respond to coaching and build capability towards broader case types or a higher mandate.
  
• Familiarity lending underwriting processes would be a distinctive advantage
  
• You will contribute to the team performance expectations, through excellent customer service, the provision of lending standards, fraud identification, and good customer outcomes.
  

Accountability and measures of success

• Accurate and timely decisions on standard cases within policy and authority.
  

• Consistent quality, complete records and low avoidable error or rework levels.
  

• Prompt and appropriate escalation of complex, higher-risk or outside-authority cases.
  

• Effective use of systems and automation to support productivity without weakening controls.
  

• Positive customer and broker outcomes through clear communication and efficient case ownership.