Property Risk Underwriter

Here at Nationwide, we put our members at the heart of everything we do and every role has an important part to play in delivering for them.

Property Risk is a key part of the Risk Community, working closely with Chartered Surveyors, Solicitors and colleagues across the Society to assess and manage property-related risk. The team provides specialist expertise on legal and valuation matters that could impact the suitability of residential property as security for lending.

We're looking for someone with experience in conveyancing, property valuations or a related property discipline who enjoys analysing information, making well-reasoned decisions and working collaboratively with a wide range of stakeholders. This is an opportunity to build specialist knowledge while helping to protect both our customers and the Society.

We are happy to consider flexible working approaches to help you perform at your best.

At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.

For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, based at our Bournemouth office. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here. 

If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.

What you’ll be doing

You'll assess a wide range of property and legal-related cases to determine whether they fall within Nationwide's risk appetite, making well-reasoned decisions that protect both our customers and the Society. Working closely with our in-house Chartered Surveyors and external valuation suppliers, you'll investigate issues that may affect the value, suitability or marketability of a property used as lending security.

You'll manage queries from a variety of external stakeholders, including conveyancers and solicitors, providing clear, timely and professional responses to support the customer journey. You'll be expected to clearly articulate the rationale behind your decisions, ensuring consistency and adherence to policy.

As an experienced member of the team, you'll share your knowledge and expertise with colleagues across Property Risk and the wider business, providing coaching and guidance on property and legal matters. You'll also contribute to the continuous improvement of processes and help identify effective solutions to complex or unusual cases, working collaboratively with colleagues both in person and through Teams.

You'll receive comprehensive training and ongoing support to develop your expertise in property risk, along with a detailed understanding of the systems, policies and processes used to safeguard our customers and the Society.

About you

As a minimum you’ll have: 

• A background in property valuations, mortgage underwriting, estate agency, conveyancing, property law or a related property profession

• Proven capability in reviewing complex property or legal information and making decisions in line with policy, regulation or established procedures

• The ability to identify, assess and document risks to support effective decision making

• Strong written and verbal communication skills, with a track record of presenting technical or complex information to a range of stakeholders

• Exposure to working directly with external parties such as customers, conveyancers, solicitors, surveyors, lenders or other professional stakeholders

• The ability to manage multiple queries or cases simultaneously while maintaining accuracy and attention to detail

• A track record of supporting, coaching or sharing technical knowledge with colleagues within a team environment

• Evidence of identifying process improvements or contributing to operational efficiencies within a property, legal or risk-related environment

Our customer first behaviours put customers and members at the heart of how we work together. They are the set of behaviours that every colleague needs to display, in every role:

• Feel what customers feel - We step into our customers’ shoes, using their feedback and insights to empathise with them and to understand their needs, so that every decision we make starts and finishes with our customers in mind

• Say it straight - We are brave in speaking out and saying what we think – we’re honest and direct with good intent, openly sharing diverse perspectives to reach the best conclusions and using language everyone can understand

• Push for better - We don’t settle for mediocrity, we challenge the status quo, taking responsibility for continuous improvement and personal development

• Get it done - We prioritise what will have the greatest impact, we are decisive, and we take accountability for delivering brilliant customer outcomes

You can strengthen your application by showing how our customer first behaviours resonate with you, and where you may have already demonstrated these.

The extras you’ll get

There are all sorts of employee benefits available at Nationwide, including:

• 25 days holiday, pro rata

• Private medical insurance

• A highly competitive pension to help you build a strong foundation for retirement

• Access to an annual performance-related bonus

• Training and development to help you progress your career

• A great selection of additional benefits through our salary sacrifice scheme

• Life assurance to provide peace of mind for you and your loved ones in the event of your death

• Wellhub – access to a range of free and paid options for health and wellness

• Up to 2 days of paid volunteering a year

Banking – but fairer, more rewarding, and for the good of society

We forge our own path at Nationwide.

As a mutual, we’re owned by our members - those customers who bank, save or have a mortgage with us. We challenge the financial sector status quo. We don’t see customers as the engine of our own profit. We share our profits with them and put their needs first. Always there when they need us. Supporting them and their lives.

If you’re inspired by fairer finances, passionate about making a meaningful impact, and truly care about our customers, you’re one of us.

At Nationwide, you are challenged to grow and rewarded for doing so. Valued. Recognised. Inspired to be your best. As a community, we want our working lives to count. As a team, we celebrate what we achieve. As a standard-setter, we work for the good of customers, communities, and broader society.

We are purpose-driven. Uncompromisingly customer. Unstoppably Nationwide.

What to do next

If this role is for you, please click the ‘Apply Now’ button. You’ll need to attach your up-to-date CV and answer a few quick questions for us. 

We respond to everyone, so we will be in contact shortly after the closing date to let you know the outcome of your application.

Keeping your data and personal information confidential is important to us. To find out more about how we use and process your data, please read our Privacy policy. 

If you want to find out more about using AI in our recruitment process, please read more here. 

Disability Confident  

We’re not just guided by data, we’re driven by the real experiences of our people. We’re a Disability Confident Level 3 Leader, the highest level.  

That’s why we’re constantly evolving our policies and practices to make sure everyone feels genuinely supported, valued, and empowered to champion inclusion. Whatever your needs, we’re here to support you. If you need any additional support throughout your application journey, email our team at Recruitment Support.  

Apply safely with Nationwide 

Recruitment scams can look convincing, so take a moment to check the role is listed on our official careers site and read our guidance on Don’t be conned by a job scam. 

Please note that should you be successful in securing this role, the job title on our internal systems will be Risk Analyst.