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- Tasks: Underwrite specialist mortgage applications and build strong broker relationships.
- Company: Dynamic mortgage company with a focus on innovation and collaboration.
- Benefits: Competitive salary, annual bonus, private medical insurance, and hybrid working.
- Why this job: Shape the future of underwriting while progressing your career in a supportive environment.
- Qualifications: Experience in underwriting and strong communication skills are essential.
- Other info: Enjoy 25 days annual leave, study support, and a commitment to mental wellbeing.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Location: Head Office, London
Hours: Monday to Friday, 9:00amâ5:30pm
Working Pattern: Hybrid (50/50)
Reports to: Head of Field Underwriting
Department: Specialist Mortgages â Underwriting Team
About The Role
We are looking for a commercially minded and detailâdriven Underwriter to join our Specialist Mortgages division. This new role supports the continued expansion of our Field Underwriting proposition by providing highâquality 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 â including BuyâtoâLet, HMOs, ShortâTerm Lets, SemiâCommercial, and Commercial â ensuring decisions are robust, riskâaligned, 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 bestâinâclass service and operational excellence.
Key Responsibilities
- Underwrite mortgage applications within delegated authority
- Analyse credit searches, bank statements, financials, portfolios & valuations
- Form wellâreasoned lending recommendations and elevate where required
- Balance commercial judgement with strong risk discipline
Quality, Risk & Due Diligence
- Ensure appropriate customer due diligence and AML checks
- Maintain low arrears and operational losses through highâquality decisions
- Adhere to lending policy, underwriting guidelines, and compliance requirements
Stakeholder & Broker Engagement
- Build strong relationships with key brokers and introducers
- Communicate decisions and requirements with clarity and efficiency
- Work closely with Sales, Risk & Compliance, and Specialist Mortgage teams
Pipeline & Service Management
- Manage a pipeline through to offer stage, maintaining service standards
- Provide timely and clear updates to brokers and internal colleagues
- Focus on fast, consistent, and reliable decisionâmaking
Team Collaboration & Delivery
- Support colleagues across Underwriting and Specialist Mortgages
- Step up when needed to deliver an exceptional customer journey
- Contribute to shaping and improving the Field Underwriting model
Who You'll Work With
- Head of Field Underwriting
- Specialist Mortgages Lending Teams
- Sales Team
- Risk & Compliance (2nd Line)
- Completions & Servicing Teams
- External brokers, conveyancers, valuers & borrowers
What We're Looking For
- Experienced underwriter across BTL, HMOs, ShortâTerm Lets, SemiâCommercial & Commercial
- Understanding of the mortgage intermediary market and underwriting legislation
- Field underwriting experience welcomed, but not essential
- Strong risk awareness and commercial judgement
- Excellent communication and relationshipâmanagement skills
- Customerâcentric mindset with a flexible, solutionsâoriented approach
- Ability to adapt to new propositions, products, and markets
- Teamâoriented 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.
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 â lifestyle & retail discounts
- Pension scheme â 8% employer contribution (nonâcontributory)
- Interestâfree season ticket loan
- Annual volunteering day & Net Zero employer commitment
If you're ready to deepen your expertise in specialist mortgage underwriting â and explore a future progression path into Field Underwriting â we would love to hear from you.
Underwriter - Specialist Mortgages in London employer: Hampshire Trust Bank
Contact Detail:
Hampshire Trust Bank Recruiting Team
StudySmarter Expert Advice đ¤Ť
We think this is how you could land Underwriter - Specialist Mortgages in London
â¨Tip Number 1
Network like a pro! Reach out to current employees or connections in the industry. A friendly chat can give you insider info and might even lead to a referral, which is always a bonus.
â¨Tip Number 2
Prepare for the interview by knowing your stuff! Brush up on the latest trends in specialist mortgages and be ready to discuss how your experience aligns with the role. Confidence is key!
â¨Tip Number 3
Showcase your relationship-building skills. Since this role involves working closely with brokers, think of examples where you've successfully managed relationships or resolved conflicts. Itâll make you stand out!
â¨Tip Number 4
Donât forget to apply through our website! Itâs the best way to ensure your application gets noticed. Plus, it shows youâre genuinely interested in joining our team.
We think you need these skills to ace Underwriter - Specialist Mortgages in London
Some tips for your application đŤĄ
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience with Specialist Mortgages and any relevant skills that match the job description. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about underwriting and how your background aligns with our needs. Let us know why youâre excited about the opportunity at StudySmarter.
Showcase Your Communication Skills: Since this role involves engaging with brokers and stakeholders, make sure to demonstrate your excellent communication skills in your application. We love candidates who can convey complex information clearly and effectively!
Apply Through Our Website: We encourage you to apply directly through our website. Itâs the best way for us to receive your application and ensures you donât miss out on any important updates. We canât wait to hear from you!
How to prepare for a job interview at Hampshire Trust Bank
â¨Know Your Stuff
Make sure you brush up on your knowledge of specialist mortgages, including Buy-to-Let and HMOs. Familiarise yourself with the latest underwriting legislation and market trends, as this will show your commitment and expertise during the interview.
â¨Showcase Your Analytical Skills
Be prepared to discuss how you analyse credit searches, bank statements, and financials. Bring examples of past cases where your decisions led to successful outcomes, demonstrating your strong risk awareness and commercial judgement.
â¨Build Rapport with Brokers
Since relationship management is key in this role, think of ways to illustrate your communication skills. Share experiences where youâve successfully engaged with brokers or stakeholders, highlighting your customer-centric mindset and collaborative approach.
â¨Express Your Growth Mindset
This position has a clear progression path into Field Underwriting, so be ready to discuss your career aspirations. Show enthusiasm for developing relationships with key accounts and how you plan to adapt to new propositions and markets.
