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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 continuous improvement and 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 employer: Talent Guardian
Contact Detail:
Talent Guardian Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage and lending industry. Attend local meetups or online webinars to meet potential employers and learn about job openings that might not be advertised.
✨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 challenges in a fast-paced environment.
✨Tip Number 3
Showcase your analytical skills! During interviews, provide examples of how you've assessed credit data and made well-reasoned underwriting decisions. This will demonstrate your expertise and attention to detail.
✨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 Underwriter
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 underwriting and how your experience aligns with our needs. Keep it concise but engaging – we love a good story!
Showcase Your Analytical Skills: Since this 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 tackle 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 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 your experience aligns with their needs.
✨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
Since the role involves working closely with brokers and internal teams, think of ways to illustrate your strong communication skills. Be ready to talk about how you've built relationships in previous positions and how you can bring that collaborative spirit to the new team.
✨Stay Calm Under Pressure
The fast-paced environment is a big part of this job, so prepare to discuss how you manage your workload and meet deadlines. Share strategies you use to prioritise tasks and maintain quality under pressure, showing that you're ready for the challenge.