Underwriter
Talent Guardian
This is a fantastic opportunity for someone with strong underwriting experience within the specialist lending market who enjoys working in a fast-paced environment and assessing a wide range of complex cases.
The successful candidate will play a key role in underwriting mortgage applications accurately and consistently in line with lending criteria, regulatory requirements, and risk appetite, whilst building strong relationships with brokers and internal stakeholders.
The Role
- Underwrite mortgage applications in line with company lending criteria and compliance requirements
- Assess and interpret CAIS/credit data, financial statements, and supporting documentation
- Review complex case types including HMOs, Multi-Unit Properties (MUPs), Holiday Lets, Expats, Foreign Nationals, SPVs and Limited Company applications
- Provide clear and well-reasoned underwriting decisions, escalating where appropriate
- Manage and prioritise your own pipeline to meet agreed service levels and deadlines
- Work closely with Sales, Risk, Compliance and Operations teams to ensure smooth case progression
- Build strong relationships with brokers, valuers and external stakeholders
- Support continuous improvement initiatives and contribute to team knowledge sharing and development
- Minimum 2 years' underwriting experience, ideally within Buy-to-Let specialist lending
- Residential or Commercial underwriting experience will also be considered
- Strong understanding of the mortgage process and wider mortgage market
- Experience assessing complex mortgage applications with excellent attention to detail
- Strong analytical and problem-solving skills
- Excellent communication skills, both written and verbal
- Ability to work effectively under pressure within a fast-paced environment
- Strong organisational skills with the ability to manage deadlines and service levels
- A proactive and professional approach with a strong team ethic
- Experience underwriting HMOs, MUPs, Holiday Lets, Expats, Foreign Nationals and Limited Company structures
- Previous underwriting mandate experience or the capability to progress toward one
- Passion for continuous improvement and personal development
- Positive and adaptable approach to change within a regulated environment
- Opportunity to join a growing and specialist lender
- Supportive and collaborative working environment
- Career progression and ongoing development opportunities
- Exposure to complex and specialist lending cases
- Competitive salary and benefits package
Get in touch with Talent Guardian today to find out more or apply now.
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