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- Tasks: Underwrite mortgage applications and assess complex cases in a fast-paced environment.
- Company: Join a growing specialist lender near Maidstone, Kent.
- Benefits: Competitive salary, career progression, and a supportive team culture.
- Other info: Collaborative environment with opportunities for personal development.
- Why this job: Make a real impact in the mortgage industry while developing your skills.
- Qualifications: Minimum 2 years' underwriting experience with strong analytical skills.
The predicted salary is between 40000 - 50000 £ per year.
Talent Guardian are working with a growing and specialist lender who are looking for an experienced Mortgage Underwriter to join their team based near Maidstone, Kent. This is a fantastic opportunity for someone with strong underwriting experience within the specialist lending market who enjoys working in a fast-paced environment and assessing a wide range of complex cases.
The successful candidate will play a key role in underwriting mortgage applications accurately and consistently in line with lending criteria, regulatory requirements, and risk appetite, whilst building strong relationships with brokers and internal stakeholders.
The Role
- Underwrite mortgage applications in line with company lending criteria and compliance requirements
- Assess and interpret CAIS/credit data, financial statements, and supporting documentation
- Review complex case types including HMOs, Multi-Unit Properties (MUPs), Holiday Lets, Expats, Foreign Nationals, SPVs and Limited Company applications
- Provide clear and well-reasoned underwriting decisions, escalating where appropriate
- Manage and prioritise your own pipeline to meet agreed service levels and deadlines
- Work closely with Sales, Risk, Compliance and Operations teams to ensure smooth case progression
- Build strong relationships with brokers, valuers and external stakeholders
- Support continuous improvement initiatives and contribute to team knowledge sharing and development
What We're Looking For
- Minimum 2 years' underwriting experience, ideally within Buy-to-Let specialist lending
- Residential or Commercial underwriting experience will also be considered
- Strong understanding of the mortgage process and wider mortgage market
- Experience assessing complex mortgage applications with excellent attention to detail
- Strong analytical and problem-solving skills
- Excellent communication skills, both written and verbal
- Ability to work effectively under pressure within a fast-paced environment
- Strong organisational skills with the ability to manage deadlines and service levels
- A proactive and professional approach with a strong team ethic
Desirable Experience
- Experience underwriting HMOs, MUPs, Holiday Lets, Expats, Foreign Nationals and Limited Company structures
- Previous underwriting mandate experience or the capability to progress toward one
- Passion for continuous improvement and personal development
- Positive and adaptable approach to change within a regulated environment
What's on Offer
- Opportunity to join a growing and specialist lender
- Supportive and collaborative working environment
- Career progression and ongoing development opportunities
- Exposure to complex and specialist lending cases
- Competitive salary and benefits package
Interested? Get in touch with Talent Guardian today to find out more or apply now.
Underwriter in Kings Hill employer: Talent Guardian
Contact Detail:
Talent Guardian Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in Kings Hill
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage and lending industry. Attend events, join online forums, and don’t be shy about asking for introductions. The more people you know, the better your chances of landing that underwriter role.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of complex case types like HMOs and MUPs. Be ready to discuss your previous underwriting experiences and how you’ve tackled tricky situations. Show them you’re the expert they need!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Use our website to find roles that excite you and match your skills. Tailor your approach to each company to stand out from the crowd.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in showing your enthusiasm for the role. It keeps you fresh in their minds and demonstrates your professionalism. Plus, it’s a great chance to reiterate why you’re the perfect fit!
We think you need these skills to ace Underwriter in Kings Hill
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your underwriting experience, especially in specialist lending, and showcase any complex cases you've handled. We want to see how your skills match 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 this role and how your experience aligns with our needs. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: Since the role involves assessing complex mortgage applications, make sure to highlight your analytical and problem-solving skills in your application. We want to know how you approach challenges and make decisions!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it’s super easy!
How to prepare for a job interview at Talent Guardian
✨Know Your Underwriting Stuff
Make sure you brush up on your underwriting knowledge, especially around complex cases like HMOs and Multi-Unit Properties. Familiarise yourself with the company's lending criteria and compliance requirements so you can speak confidently about how you would handle various scenarios.
✨Showcase Your Analytical Skills
Prepare to discuss specific examples where you've assessed complex mortgage applications. Highlight your attention to detail and problem-solving skills by sharing stories that demonstrate how you navigated tricky situations in past roles.
✨Build Relationships in the Interview
Since building strong relationships is key in this role, think about how you can convey your interpersonal skills during the interview. Be ready to talk about how you've collaborated with brokers and internal teams in the past, and how you plan to do the same in this new position.
✨Stay Cool Under Pressure
Given the fast-paced environment, be prepared to discuss how you manage your workload and meet deadlines. Share strategies you use to prioritise tasks and maintain quality under pressure, as this will show you're a great fit for their dynamic team.