Credit Underwriter (England)

About the Role

InterQuest are looking for an experienced Buy-to-Let Underwriter to join a collaborative and fast-growing challenger bank focused on empowering SMEs and intermediaries through innovative lending solutions. In this role, you\’ll work closely with teams across Product, Risk, and Operations to assess and underwrite a diverse range of BTL applications — including portfolio landlords, complex properties, and corporate structures.

As part of a small and ambitious team, you\’ll play a key role in shaping the Bank’s growing BTL proposition by bringing insight, commerciality, and a risk-aware mindset to each lending decision.

Key Responsibilities

• Assess new lending applications against risk appetite and policy, preparing detailed underwriting notes and making timely credit decisions within your delegated authority.
• Communicate outcomes clearly and constructively to internal stakeholders across Relationship Management and Operations.
• Review documentation for completeness, compliance with credit policy, and regulatory alignment (including PRA and FCA standards).
• Provide feedback and raise queries related to underwriting decisions, supporting intermediaries with clarity and professionalism.
• Contribute to the ongoing development of underwriting procedures, processes, and systems.
• Support service excellence and adherence to SLAs and OKRs, identifying process improvement opportunities from a customer and internal perspective.

What We\’re Looking For

• Strong experience underwriting both simple and complex BTL loans, including for HMO/MUB properties and limited company structures.
• Currently hold a Delegated Lending Authority of at least £1,200,000.
• Confident in manual underwriting across various BTL asset classes.
• In-depth understanding of regulatory and compliance requirements within a UK banking environment.
• Excellent analytical, risk assessment, and decision-making skills with a strong attention to detail.
• Collaborative, communicative, and eager to contribute to a customer-first culture.
• Proficient with Excel and confident managing time and competing priorities effectively.