Underwriter - Specialist Mortgages
Location: Head Office, London Hours: Monday to Friday, 9:00am-5:30pm Working Pattern: Hybrid (50/50) Reports to: Head of Field Underwriting Department: Specialist Mortgages - Underwriting Team
About the Role
We're looking for a commercially minded and detaildriven Underwriter to join our Specialist Mortgages division. This new role supports the continued expansion of our Field Underwriting proposition by providing highquality underwriting from head office while working closely with our elite broker partners.
A key part of this opportunity is finding a candidate who is open to future progression into a Field Underwriter position, managing and developing relationships with key accounts in a specific region as the field model expands.
You will underwrite cases across all Specialist Mortgages asset classes - including BuytoLet, HMOs, ShortTerm Lets, SemiCommercial, and Commercial - ensuring decisions are robust, riskaligned, and deliver an excellent broker and customer experience.
This is an exciting chance to help shape and elevate an evolving underwriting model, working directly with the Head of Field Underwriting to drive bestinclass service and operational excellence.
Key Responsibilities
Specialist Mortgage UnderwritingUnderwrite mortgage applications within delegated authorityAnalyse credit searches, bank statements, financials, portfolios & valuationsForm wellreasoned lending recommendations and escalate where requiredBalance commercial judgement with strong risk disciplineQuality, Risk & Due DiligenceEnsure appropriate customer due diligence and AML checksMaintain low arrears and operational losses through highquality decisionsAdhere to lending policy, underwriting guidelines, and compliance requirementsStakeholder & Broker EngagementBuild strong relationships with key brokers and introducersCommunicate decisions and requirements with clarity and efficiencyWork closely with Sales, Risk & Compliance, and Specialist Mortgage teamsPipeline & Service ManagementManage a pipeline through to offer stage, maintaining service standardsProvide timely and clear updates to brokers and internal colleaguesFocus on fast, consistent, and reliable decisionmakingTeam Collaboration & DeliverySupport colleagues across Underwriting and Specialist MortgagesStep up when needed to deliver an exceptional customer journeyContribute to shaping and improving the Field Underwriting model
Who You'll Work With
You'll collaborate with:Head of Field UnderwritingSpecialist Mortgages Lending TeamsSales TeamRisk & Compliance (2nd Line)Completions & Servicing TeamsExternal brokers, conveyancers, valuers & borrowers
What We're Looking For
Experienced underwriter across BTL, HMOs, ShortTerm Lets, SemiCommercial & CommercialUnderstanding of the mortgage intermediary market and underwriting legislationField underwriting experience welcomed, but not essentialStrong risk awareness and commercial judgementExcellent communication and relationshipmanagement skillsCustomercentric mindset with a flexible, solutionsoriented approachAbility to adapt to new propositions, products, and marketsTeamoriented with a collaborative mindset
Essential Requirement:We are specifically seeking a candidate who is open to future progression into a Field Underwriter role, supporting key strategic accounts within an allocated region as the model grows.
BenefitsCompetitive remunerationDiscretionary annual bonusAnnual pay reviewPrivate Medical Insurance (Bupa)Mental health & wellbeing support via YuLife & Bupa25 days annual leave (increasing with service) + Holiday Buy SchemeCycle to Work Scheme & Green Car SchemeEnhanced family leave policiesStudy support & professional membershipsHybrid working (50/50)YuLife Rewards - lifestyle & retail discountsPension scheme - 8% employer contribution (noncontributory)Interestfree season ticket loanAnnual volunteering day & Net Zero employer commitment
If you're ready to deepen your expertise in specialist mortgage underwriting - and explore a future progression path into Field Underwriting - we'd love to hear from you.
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