Mortgage Underwriter

Everyone should have the opportunity to own a home. But the system is broken. House prices have grown faster than incomes for decades, and thousands of people have been locked out of homeownership and the opportunities it can bring.

We’re a residential mortgage lender redefining the path to homeownership with innovative products, criteria that embrace complexity, and industry-best service to help more people find their place on the property ladder. Backed by leading institutional investors and a growing team, Gen H is set for an exceptional 2025/26.

The challenge is huge, and we’re looking for people who are passionate about delivering fantastic customer outcomes. Working at Gen H means proactively embracing new challenges, working comfortably with deadlines, and taking initiative. We value honesty and humility, and thrive in a humble, low-ego environment.

Harnessing innovative tech and the talent of our smart, ambitious team, we’re building a fairer mortgage market. If you can help us move the dial, we want to hear from you.

Here’s where you come in:

We’re seeking a highly skilled and experienced mortgage lending and risk decision-making expert to join our team as a Mortgage Underwriter.

As part of the Gen H Lending Team, you’ll manage mortgage loan applications from submission through to completion, ensuring seamless progression from underwriting to the release of funds.

As an Underwriting team member, you’ll be able to handle complex underwriting scenarios and work with underwriting and completion colleagues to deliver excellent underwriting outcomes. You will also liaise with Mortgage Brokers and Business Development Managers to provide outstanding levels of customer service.

Your missionAct as the first line of defence for credit risk management:

• Make lending decisions that align with Gen H’s risk appetite, policy requirements, and underwriting guidelines, within your mandated authority.
• Ensure compliance with fair lending practices and regulatory requirements, such as MCOB and responsible lending.
• Assess mortgage applications accurately, verifying income, employment, credit history, and property-related information using the correct documentation and data.
• Exercise discretion when recommending or approving lending policy exceptions.
• Maintain accurate, audit-ready system records of underwriting decisions and their supporting rationale.
• Advise the sales team on the criteria nuances to help stronger cases land with us.

Deliver seamless experiences:

• Communicate effectively with stakeholders to gather information, relay decisions, and maintain clear records.
• Manage a portfolio of applications, prioritising tasks and balancing competing deadlines.
• Consistently meet turnaround targets while delivering high-quality work.
• Work collaboratively with teams across the business to deliver fast, high-quality service.

Constantly pursue excellence:

• Identify opportunities to simplify, automate, or enhance underwriting processes while maintaining quality standards.
• Stay informed about industry trends, regulations, and best practices to ensure compliance and maintain expertise.
• Actively seek training and development opportunities to enhance your skills.

What we offer:

• Salary up to £45,000 (depending on experience)
• Private Health Care with Vitality
• Enhanced parental leave
• 38 days’ holiday (including bank holidays)
• Cycle to Work Scheme
• Flexible and hybrid working