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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, private medical insurance, hybrid working, and study support.
- Why this job: Join a growing team and shape the future of specialist mortgage underwriting.
- Qualifications: Experience in underwriting and strong communication skills required.
- Other info: Exciting career progression opportunities into Field Underwriting.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Location: Head Office, London
Hours: Monday to Friday, 9:00am–5:30pm
Working Pattern: Hybrid (50/50)
Reports to: Head of Field Underwriting
Department: Specialist Mortgages – Underwriting Team
About The Role
We’re looking for a commercially minded and detail‑driven Underwriter to join our Specialist Mortgages division. This new role supports the continued expansion of our Field Underwriting proposition by providing high‑quality 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 — including Buy‑to‑Let, HMOs, Short‑Term Lets, Semi‑Commercial, and Commercial — ensuring decisions are robust, risk‑aligned, 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 best‑in‑class service and operational excellence.
Key Responsibilities
- Specialist Mortgage Underwriting
- Underwrite mortgage applications within delegated authority
- Analyse credit searches, bank statements, financials, portfolios & valuations
- Form well‑reasoned 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 high‑quality 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 decision‑making
- 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, Short‑Term Lets, Semi‑Commercial & 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 relationship‑management skills
- Customer‑centric mindset with a flexible, solutions‑oriented approach
- Ability to adapt to new propositions, products, and markets
- Team‑oriented 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 – 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 ready to deepen your expertise in specialist mortgage underwriting — and explore a future progression path into Field Underwriting — we’d love to hear from you.
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 Underwriter - Specialist Mortgages
✨Tip Number 1
Network like a pro! Reach out to current employees on LinkedIn or attend industry events. Building connections can give us the inside scoop on the role and help you stand out.
✨Tip Number 2
Prepare for the interview by knowing your stuff! Research the company’s values, recent news, and their approach to specialist mortgages. This shows us you're genuinely interested and ready to contribute.
✨Tip Number 3
Practice your responses to common interview questions. Think about how your experience aligns with the key responsibilities of the Underwriter role. We want to see how you can bring value to our team!
✨Tip Number 4
Don’t forget to follow up after your interview! A quick thank-you email can leave a lasting impression. It shows us that you’re enthusiastic about the opportunity and appreciate our time.
We think you need these skills to ace Underwriter - Specialist Mortgages
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience with Specialist Mortgages and any relevant qualifications. We want to see how your skills align with what we're looking for!
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 you can contribute to our team. Keep it concise but impactful, and don’t forget to mention your interest in future progression.
Showcase Your Communication Skills: As an Underwriter, clear communication is key. In your application, demonstrate your ability to convey complex information simply. We love candidates who can build strong relationships with brokers and colleagues alike!
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. Don’t miss out on joining our dynamic team!
How to prepare for a job interview at Hampshire Trust Bank
✨Know Your Stuff
Make sure you brush up on your knowledge of specialist mortgages, especially Buy-to-Let and HMOs. Familiarise yourself with the latest underwriting legislation and market trends. This will not only show your expertise but also your genuine interest in the role.
✨Showcase Your Analytical Skills
Be prepared to discuss how you analyse credit searches, bank statements, and financial portfolios. Bring examples of past cases where your decisions led to successful outcomes. This will demonstrate your detail-oriented approach and risk awareness.
✨Build Rapport with Brokers
Since relationship management is key, think about how you can effectively communicate with brokers. Prepare to share strategies you've used in the past to build strong relationships and ensure a smooth underwriting process.
✨Emphasise Team Collaboration
Highlight your experience working in teams and how you’ve contributed to improving processes. Discuss any instances where you stepped up to support colleagues or enhance customer journeys, as this aligns with the collaborative mindset they’re looking for.
