At a Glance
- Tasks: Underwrite mortgage applications and ensure compliance with lending criteria.
- Company: Join a specialist lending company in West Malling, Kent.
- Benefits: Competitive salary, flexible working, and opportunities for personal development.
- Other info: Dynamic team environment with excellent career growth potential.
- Why this job: Make a real impact in the mortgage industry while developing your skills.
- Qualifications: Experience in mortgage underwriting and strong analytical skills.
The predicted salary is between 30000 - 42000 € per year.
Location: West Malling, Kent
Working Pattern: Office based with 1 day working from home per week
Salary: 35,000 - 42,000
Reports to: Underwriting Team Leader
About the Role
We are looking for a Mortgage Underwriter to join a specialist lending company based in West Malling, Kent. The successful candidate will be responsible for underwriting mortgage applications accurately while ensuring compliance with lending criteria, regulatory requirements and the company's risk appetite. This role requires strong analytical judgement, effective pipeline management, and the ability to build productive relationships with internal teams, brokers, and external partners.
Key Responsibilities
- 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 both individual and company applications.
- Assess income and review a range of case types including standard properties and multi-unit properties (MUP).
- Provide clear and well-reasoned underwriting decisions, including referrals to senior mandate holders or Credit Committee where required.
- Manage and prioritise a personal pipeline to ensure service levels are achieved while supporting colleagues when required.
- Work closely with internal teams including Sales, Risk, Compliance, Pre-Offer and Post-Offer teams to ensure smooth case progression.
- Communicate professionally with brokers, valuers and external stakeholders, providing accurate updates and guidance throughout the process.
- Contribute to continuous improvement by supporting training, sharing knowledge and adapting to developments in the specialist lending market and regulatory environment.
Essential Skills & Experience
- Strong understanding of the mortgage process and the wider mortgage market.
- Experience within Buy-to-Let, Residential or Commercial mortgage underwriting environments.
- Proven ability to assess complex cases with strong attention to detail and sound judgement.
- Excellent written and verbal communication skills.
- Strong analytical, planning and problem-solving abilities.
- Proficiency in Microsoft Word, Excel and Outlook.
- Ability to work effectively under pressure in a fast-paced environment.
- Experience working to defined service standards and deadlines.
- Strong team player with a collaborative approach and commitment to shared goals.
Desirable Experience
- Experience assessing standard properties, multi-unit properties (MUP), trading limited companies, SPVs and holiday lets.
- Previous experience holding an underwriting mandate or the capability to progress towards one.
- Proactive approach to personal development and process improvement.
- Positive and adaptable attitude towards change and evolving regulatory requirements.
- Demonstrates initiative, professionalism and a commitment to delivering high-quality outcomes.
Mortgage Underwriter in Kings Hill employer: LJ Recruitment
Join a dynamic specialist lending company in West Malling, Kent, where we prioritise employee growth and a collaborative work culture. With a competitive salary range of £35,000 - £42,000 and the flexibility of one day working from home each week, we offer a supportive environment that encourages continuous improvement and professional development. Our commitment to excellence ensures that you will be part of a team that values your contributions and fosters strong relationships with colleagues and external partners.
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter in Kings Hill
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, attend local events, and join relevant online groups. Building relationships can lead to job opportunities that aren't even advertised.
✨Tip Number 2
Prepare for interviews by practising common questions specific to mortgage underwriting. We recommend role-playing with a friend or using online resources to get comfortable discussing your experience and skills.
✨Tip Number 3
Showcase your analytical skills during interviews. Be ready to discuss how you've assessed complex cases in the past and how you ensure compliance with lending criteria. This will demonstrate your fit for the role.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Mortgage Underwriter in Kings Hill
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Mortgage Underwriter role. Highlight your experience in underwriting, especially with Buy-to-Let or Residential mortgages, and showcase your analytical skills. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the mortgage industry and how your skills can contribute to our team. Keep it professional but let your personality come through – we love a bit of character!
Showcase Your Attention to Detail:As an underwriter, attention to detail is key. In your application, provide examples of how you've successfully managed complex cases or adhered to compliance standards. This will demonstrate your capability to handle the responsibilities of the role.
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 keen on joining our team at StudySmarter!
How to prepare for a job interview at LJ Recruitment
✨Know Your Mortgage Basics
Make sure you brush up on your understanding of the mortgage process and the wider market. Familiarise yourself with terms like Buy-to-Let, Residential, and Commercial mortgages. This knowledge will help you answer questions confidently and show that you're serious about the role.
✨Showcase Your Analytical Skills
Prepare to discuss your experience with assessing complex cases and interpreting credit data. Bring examples of how you've made sound underwriting decisions in the past. This will demonstrate your strong analytical judgement, which is crucial for a Mortgage Underwriter.
✨Communicate Clearly
Since the role involves liaising with brokers and internal teams, practice your communication skills. Be ready to explain your thought process behind underwriting decisions clearly and professionally. Good communication can set you apart from other candidates.
✨Demonstrate Team Spirit
Highlight your ability to work collaboratively with others. Share examples of how you've supported colleagues or contributed to team goals in previous roles. A strong team player attitude is essential for success in this position.
