Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Underwrite mortgage applications with precision and build strong relationships with teams and partners.
- Company: Join a leading mortgage provider focused on innovation and teamwork.
- Benefits: Competitive salary, professional development, and a supportive work environment.
- Other info: Dynamic role with opportunities for growth and continuous learning.
- Why this job: Make a real impact in the mortgage industry while developing your analytical skills.
- Qualifications: Minimum 2 years of underwriting experience and strong communication skills.
The predicted salary is between 40000 - 50000 £ per year.
Purpose of the role
To Underwrite Mortgage Applications accurately, consistently, and in line with Keystone’s Lending Criteria, regulatory requirements, and risk appetite. The role requires strong analytical judgement, effective pipeline management, and the ability to build productive relationships with internal teams and external partners.
Key Accountabilities
- Underwrite mortgage applications to a high standard, ensuring adherence to lending criteria, risk appetite, and compliance expectations.
- Interpret CAIS/Credit data, financial statements, and supporting documents for individual and company applications.
- Assess income and complete case types, including Standard properties, Multi-unit (MUP) properties, HMO’s, Expats, foreign nationals, Trading Limited companies, SPVs and Holiday lets.
- Provide clear, well-reasoned decisions, including referrals to senior mandate holders or Credit Committee where required.
- Manage and prioritise a personal pipeline, meeting service levels and supporting colleagues when needed.
- Collaborate with internal teams (Sales, Risk, Compliance, Pre-offer, Post Offer) to ensure smooth case progression and resolve queries promptly.
- Communicate professionally with brokers, valuers, and external stakeholders, providing accurate updates and guidance.
- Contribute to continuous improvement, supporting training, sharing knowledge, and adapting to changes in the specialist lending market and regulatory environment.
Essential Skills and Experience
- Strong understanding of the mortgage process and the wider mortgage market.
- Must have a minimum of 2 years’ underwriting experience, ideally within Buy-to-Let; residential or commercial experience also considered.
- Proven ability to assess complex cases with high attention to detail and sound judgement.
- Excellent written and verbal communication skills.
- Strong analytical, planning, and problem-solving skills.
- Proficient in Microsoft Word, Excel, and Outlook.
- Ability to work effectively under pressure in a fast-paced environment.
- Demonstrated ability to work to defined service standards and deadlines.
- Strong teamwork, with a commitment to supporting colleagues and contributing to shared goals.
Desirable Attributes
- Experience with Standard properties, Multi-unit (MUP) properties, HMO’s, Expats, foreign nationals, Trading Limited companies, SPVs and Holiday lets.
- Previous experience holding an underwriting mandate, or the capability to progress toward one.
- Proactive approach to personal development and process improvement.
- Adaptable, positive attitude toward change and evolving regulatory requirements.
- Demonstrates initiative, professionalism, and a commitment to delivering high-quality outcomes.
Underwriter in West Malling employer: Keystone Property Finance
Contact Detail:
Keystone Property Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in West Malling
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, attend relevant events, and don’t be shy about asking for introductions. Building relationships can open doors that job applications alone can't.
✨Tip Number 2
Prepare for interviews by brushing up on your underwriting knowledge. Be ready to discuss specific cases you've handled and how you navigated complex situations. Show us your analytical skills and attention to detail!
✨Tip Number 3
When you get an interview, make sure to ask insightful questions about the company’s lending criteria and risk appetite. This shows you're genuinely interested and have done your homework—plus, it helps you assess if it's the right fit for you.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Underwriter in West Malling
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to highlight your underwriting experience and how it aligns with our lending criteria. We want to see how your skills match the role, so don’t hold back on showcasing your relevant achievements!
Showcase Your Analytical Skills: Since this role requires strong analytical judgement, be sure to include examples of how you've successfully assessed complex cases in the past. We love seeing clear, well-reasoned decisions, so share those experiences that demonstrate your attention to detail.
Communicate Clearly: Your written communication skills are key for this role, so make sure your application is clear and professional. Use straightforward language and structure your thoughts logically. Remember, we’re looking for someone who can communicate effectively with both internal teams and external partners.
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 the role. Plus, it shows you’re proactive and keen to join our team at StudySmarter!
How to prepare for a job interview at Keystone Property Finance
✨Know Your Mortgage Stuff
Make sure you brush up on your understanding of the mortgage process and the wider market. Be ready to discuss different case types like Buy-to-Let, HMO’s, and foreign nationals. Showing that you know your stuff will impress the interviewers!
✨Show Off Your Analytical Skills
Prepare to demonstrate your analytical judgement by discussing past experiences where you assessed complex cases. Use specific examples to highlight your attention to detail and sound judgement, as these are crucial for the role.
✨Communication is Key
Since you'll be collaborating with various teams and external partners, practice articulating your thoughts clearly. Think about how you can convey complex information in a straightforward manner, as effective communication is essential in this role.
✨Be a Team Player
Emphasise your teamwork skills during the interview. Share examples of how you've supported colleagues or contributed to shared goals in the past. This will show that you're not just focused on your own success but also on the team's achievements.