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For Companies At a Glance
- Tasks: Build relationships with elite brokers and provide expert underwriting support.
- Company: Join a leading bank with a focus on specialist mortgages and customer excellence.
- Benefits: Competitive pay, bonuses, private health insurance, and 25 days holiday.
- Why this job: Elevate your career by combining underwriting expertise with relationship management.
- Qualifications: Experience in specialist underwriting and strong communication skills.
- Other info: Enjoy hybrid working, study support, and a commitment to mental wellbeing.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Location: Head Office + Field (Hybrid 50/50)
Hours: Monday to Friday, 9:00am–5:30pm
Reports to: Head of Field Underwriting
Department: Specialist Mortgages – Underwriting
About The Role
Are you an experienced Underwriter ready for the next step in your career? This newly created Field Underwriter position offers a rare opportunity to move into a more relationship‑led, externally facing role that sits halfway between sales and underwriting. As part of our Specialist Mortgages division, you’ll work directly with our elite broker partners, offering on‑site underwriting support and helping shape a premium customer journey. You’ll become a key point of contact for lending criteria, case structuring and deal progression — while maintaining the robust credit discipline expected within specialist lending. This is a unique chance to combine your underwriting expertise with commercial exposure, relationship management and market engagement.
Key Responsibilities
- Relationship‑Led Underwriting
- Build strong relationships with elite / specialist broker partners
- Provide on‑site or remote underwriting support to improve case quality and speed
- Represent HTB as a subject matter expert on criteria, structure and lending appetite
- Underwrite BTL, HMO, Short‑Term Lets, Semi‑Commercial and Commercial cases
- Analyse portfolios, bank statements, valuations, credit searches and financials
- Deliver balanced, commercial decisions within delegated authority
- Liaise closely with Sales, Underwriting, Risk & Compliance and leadership teams
- Communicate clearly and effectively on decisions, requirements and risk positions
- Manage a pipeline of cases and deliver consistent, timely decisions
- Contribute to a premium customer journey through clarity, consistency and speed
- Support the continued evolution of the Field Underwriting model
Who You’ll Work With
You’ll partner with:
- Brokers & introducers
- Head of Field Underwriting
- Specialist Lending & Completions teams
- Risk & Compliance
- Valuers, conveyancers and external specialists
What We’re Looking For
- Strong experience in specialist Buy‑to‑Let, HMO, Commercial or Bridging underwriting
- Excellent commercial judgement with a risk‑balanced mindset
- Confident communicator with the ability to negotiate and influence
- Relationship‑driven and comfortable representing the bank externally
- Ability to work autonomously, make decisions and manage a busy pipeline
- Field underwriting experience is great to have, but not required
Benefits
- Competitive remuneration
- Discretionary annual bonus
- Annual pay review
- Private Medical Insurance (Bupa)
- Mental health & wellbeing support via YuLife & Bupa
- 25 days annual leave (increasing with service) + Holiday Buy Scheme
- Cycle to Work Scheme & Green Car Scheme
- Enhanced family leave policies
- Study support & professional memberships
- Hybrid working (50/50)
- YuLife Rewards – lifestyle & retail discounts
- Pension scheme – 8% employer contribution (non‑contributory)
- Interest‑free season ticket loan
- Annual volunteering day & Net Zero employer commitment
If you’re an experienced Underwriter looking to broaden your impact, elevate your profile in the market, and move into a more relationship‑driven, commercially focused role, we’d love to hear from you.
Field Underwriter - Specialist Mortgages employer: Hampshire Trust Bank
Contact Detail:
Hampshire Trust Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Field Underwriter - Specialist Mortgages
✨Tip Number 1
Network like a pro! Get out there and connect with industry professionals, especially those in specialist mortgages. Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. Building relationships can open doors to opportunities that aren’t even advertised!
✨Tip Number 2
Prepare for interviews by knowing your stuff! Research the company and its culture, and be ready to discuss how your underwriting experience aligns with their needs. Practice common interview questions and think of examples that showcase your relationship-building skills.
✨Tip Number 3
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. Mention something specific from your conversation to show you were engaged and are genuinely interested in the role.
✨Tip Number 4
Don’t forget to apply through our website! We’re always looking for talented individuals like you. Plus, it’s a great way to ensure your application gets seen by the right people. So, get your application in and let’s make things happen!
We think you need these skills to ace Field Underwriter - Specialist Mortgages
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the Field Underwriter role. Highlight your underwriting expertise, especially in specialist mortgages, and any relationship management experience you've got.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Mention your passion for building relationships and how you can contribute to a premium customer journey.
Showcase Your Communication Skills: As a Field Underwriter, you'll need to communicate effectively with brokers and internal teams. Make sure your application showcases your confident communication style and ability to negotiate.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity!
How to prepare for a job interview at Hampshire Trust Bank
✨Know Your Underwriting Stuff
Make sure you brush up on your knowledge of specialist mortgages, especially Buy-to-Let and HMO cases. Be ready to discuss your experience with these types of underwriting and how you've made commercial decisions in the past.
✨Show Off Your Relationship Skills
This role is all about building strong relationships with brokers. Think of examples where you've successfully managed relationships or influenced stakeholders. Be prepared to share how you can bring that relationship-driven approach to the table.
✨Prepare for Scenario Questions
Expect questions that test your judgement and decision-making skills. Prepare for scenarios where you might need to balance risk with commercial opportunities. Practise articulating your thought process clearly and confidently.
✨Ask Insightful Questions
At the end of the interview, don’t forget to ask questions! Inquire about the team dynamics, the challenges they face in the field, or how success is measured in this role. This shows your genuine interest and helps you gauge if it’s the right fit for you.
