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For Companies At a Glance
- Tasks: Review and validate mortgage underwriting outcomes to ensure quality and compliance.
- Company: Join Kensington Mortgages, a leader in specialist mortgage solutions.
- Benefits: Competitive salary, supportive environment, and opportunities for personal growth.
- Why this job: Make a real impact on responsible lending and help customers access mortgages.
- Qualifications: 5+ years in mortgage underwriting with QA experience and strong analytical skills.
- Other info: Inclusive culture that values diversity and offers excellent career development.
The predicted salary is between 36000 - 60000 £ per year.
Job Description
Location: Remote
Type: Full-time, Permanent
Start Date: Monday, 19 January 2026
Salary: Competitive
Reports to: Underwriting Technical Manager / Underwriting Quality Manager
Are you a seasoned mortgage underwriter with a passion for quality assurance and responsible lending?
Join Kensington Mortgages as a Quality Assurance Underwriter, where you'll play a pivotal role in ensuring the integrity of our underwriting decisions and helping shape the future of specialist lending.
About the Role
As an Underwriting Quality Analyst, you'll be responsible for reviewing and validating underwriting outcomes across all new lending originations and contract variations. You'll ensure alignment with our risk appetite, lending policy, and regulatory standards through a robust framework of QA and QC checks.
This role is central to our commitment to responsible lending, and you'll work closely with our Lending Operations team to drive continuous improvement, coaching, and operational excellence.
Key Responsibilities
- Re-underwrite offered Residential and Buy-to-Let mortgage applications and contract variations.
- Maintain expert knowledge of lending policy, product criteria, and operational procedures.
- Provide timely feedback and reporting to underwriters and team managers.
- Support skill development through coaching and knowledge sharing.
- Identify and implement process improvements to enhance audit and operational efficiency.
- Maintain accurate records of audit activities and support third-party audit reviews.
- Ensure compliance with financial crime prevention policies, including fraud and money laundering.
- Stay up to date with HR policies, regulatory changes, and underwriting standards.
What You'll Bring
- 5+ years experience in first charge mortgage originations, including 3+ years in a mandated underwriting role (£250k+).
- Prior experience in a QA role within a mortgage lender.
- Strong analytical skills and the ability to interpret complex data.
- Confident communicator with excellent influencing skills.
- Deep understanding of the mortgage intermediary market and fraud prevention.
- Proactive, detail-oriented, and able to work independently and collaboratively.
- Full understanding of TCF, responsible lending, risk layering, and vulnerability indicators.
- Highly PC literate and comfortable managing multiple tasks.
Desirable Skills
- CeMAP qualification
- Experience with niche Buy-to-Let lending including HMOs, multi-unit properties, and Limited Company Buy-to-Let
Why Kensington Mortgages?
At Kensington, we've been leading the way in specialist mortgage solutions for over 25 years. As a subsidiary of Barclays Bank UK PLC, we operate with integrity, innovation, and a commitment to making a difference.
We offer:
- A supportive and inclusive work environment
- Opportunities for personal and professional growth
- A culture that celebrates diversity and neurodiversity
- A workplace where everyone feels valued and empowered
Ready to Make a Difference?
If you're passionate about quality, compliance, and helping customers access the mortgages they deserve ,apply today and become part of the Kensington Mortgages family.
All offers are subject to DBS, credit, and Right to Work checks.
Please ensure availability for training and avoid extended leave during onboarding.
Underwriting Quality Analyst employer: Kensington Mortgage Company
Contact Detail:
Kensington Mortgage Company Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriting Quality Analyst
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, especially those who work at Kensington Mortgages. A friendly chat can open doors and give you insider info on the company culture and what they really value in candidates.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of underwriting policies and compliance standards. We want you to showcase your expertise, so be ready to discuss how your experience aligns with the role of an Underwriting Quality Analyst.
✨Tip Number 3
Don’t just wait for job openings to pop up! Keep an eye on our website and apply directly through it. This shows initiative and gives you a better chance of being noticed by the hiring team.
✨Tip Number 4
Follow up after your interview! A quick thank-you email reiterating your interest in the role can leave a lasting impression. It’s a simple way to show that you’re genuinely excited about the opportunity to join Kensington Mortgages.
We think you need these skills to ace Underwriting Quality Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriting Quality Analyst role. Highlight your experience in mortgage underwriting and quality assurance, and don’t forget to mention any relevant qualifications like CeMAP.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about responsible lending and how your skills align with our commitment to quality assurance at Kensington Mortgages.
Showcase Your Analytical Skills: As an Underwriting Quality Analyst, strong analytical skills are key. In your application, provide examples of how you've interpreted complex data or improved processes in previous roles.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get you on the path to joining our team!
How to prepare for a job interview at Kensington Mortgage Company
✨Know Your Stuff
Make sure you brush up on your knowledge of mortgage underwriting, especially the specifics around quality assurance and compliance. Familiarise yourself with Kensington Mortgages' lending policies and any recent regulatory changes. This will show that you're not just interested in the role but are also proactive about understanding the industry.
✨Showcase Your Experience
Prepare to discuss your previous roles in detail, particularly your experience in QA within mortgage lending. Be ready to share specific examples of how you've improved processes or provided valuable feedback to underwriters. This will demonstrate your analytical skills and your ability to drive continuous improvement.
✨Communicate Confidently
As a Quality Analyst, you'll need to influence and coach others. Practice articulating your thoughts clearly and confidently. Use the STAR method (Situation, Task, Action, Result) to structure your answers, especially when discussing past experiences. This will help you convey your points effectively and leave a lasting impression.
✨Ask Insightful Questions
At the end of the interview, don’t shy away from asking questions. Inquire about the team dynamics, the tools they use for auditing, or how they measure success in this role. This shows your genuine interest in the position and helps you assess if it's the right fit for you.
