Mortgage Underwriter

Underwriter – BTL / HPP

Purpose Underwrite Buy to Let & Home Purchase Plan applications, manage cases from application to offer, ensure credit policy compliance, control risk and meet deadlines.

Key Responsibilities

• Underwrite & offer within mandate & service standards
• Request/verify additional information
• Proactively resolve issues without adding risk
• Liaise with introducers & stakeholders
• Maintain accurate system records
• Manage pipeline & documentation
• Suggest risk-compliant process improvements
• Train colleagues & support teams
• Handle Credit Committee queries
• Monitor existing deals & report
• Assist post-completion when needed

Requirements

• ≥2 years underwriting residential/BTL/HPP (with mandate)
• Advantage: bridging/commercial experience
• Strong analytical, investigative & problem-solving skills
• Excellent communication & negotiation
• Solid FCA/PRA residential finance knowledge
• Degree level education
• Able to work independently & in small, fast-growth team