Underwriter - Specialist Mortgages
Location: Head Office, London
Hours: Monday to Friday, 9:00am-5:30pm
Working Pattern: Hybrid (50/50)
Reports to: Head of Field Underwriting
Department: Specialist Mortgages - Underwriting Team
About the Role
We're looking for a commercially minded and detaildriven Underwriter to join our Specialist Mortgages division. This new role supports the continued expansion of our Field Underwriting proposition by providing highquality underwriting from head office while working closely with our elite broker partners.
A key part of this opportunity is finding a candidate who is open to future progression into a Field Underwriter position, managing and developing relationships with key accounts in a specific region as the field model expands.
You will underwrite cases across all Specialist Mortgages asset classes - including BuytoLet, HMOs, ShortTerm Lets, SemiCommercial, and Commercial - ensuring decisions are robust, riskaligned, and deliver an excellent broker and customer experience.
This is an exciting chance to help shape and elevate an evolving underwriting model, working directly with the Head of Field Underwriting to drive bestinclass service and operational excellence.
Key Responsibilities
Specialist Mortgage Underwriting
* Underwrite mortgage applications within delegated authority
* Analyse credit searches, bank statements, financials, portfolios & valuations
* Form wellreasoned lending recommendations and escalate where required
* Balance commercial judgement with strong risk discipline
Quality, Risk & Due Diligence
* Ensure appropriate customer due diligence and AML checks
* Maintain low arrears and operational losses through highquality decisions
* Adhere to lending policy, underwriting guidelines, and compliance requirements
Stakeholder & Broker Engagement
* Build strong relationships with key brokers and introducers
* Communicate decisions and requirements with clarity and efficiency
* Work closely with Sales, Risk & Compliance, and Specialist Mortgage teams
Pipeline & Service Management
* Manage a pipeline through to offer stage, maintaining service standards
* Provide timely and clear updates to brokers and internal colleagues
* Focus on fast, consistent, and reliable decisionmaking
Team Collaboration & Delivery
* Support colleagues across Underwriting and Specialist Mortgages
* Step up when needed to deliver an exceptional customer journey
* Contribute to shaping and improving the Field Underwriting model
Who You'll Work With
You'll collaborate with:
* Head of Field Underwriting
* Specialist Mortgages Lending Teams
* Sales Team
* Risk & Compliance (2nd Line)
* Completions & Servicing Teams
* External brokers, conveyancers, valuers & borrowers
What We're Looking For
* Experienced underwriter across BTL, HMOs, ShortTerm Lets, SemiCommercial & Commercial
* Understanding of the mortgage intermediary market and underwriting legislation
* Field underwriting experience welcomed, but not essential
* Strong risk awareness and commercial judgement
* Excellent communication and relationshipmanagement skills
* Customercentric mindset with a flexible, solutionsoriented approach
* Ability to adapt to new propositions, products, and markets
* Teamoriented with a collaborative mindset
Essential Requirement:
We are specifically seeking a candidate who is open to future progression into a Field Underwriter role, supporting key strategic accounts within an allocated region as the model grows.
Benefits
* Competitive remuneration
* Discretionary annual bonus
* Annual pay review
* Private Medical Insurance (Bupa)
* Mental health & wellbeing support via YuLife & Bupa
* 25 days annual leave (increasing with service) + Holiday Buy Scheme
* Cycle to Work Scheme & Green Car Scheme
* Enhanced family leave policies
* Study support & professional memberships
* Hybrid working (50/50)
* YuLife Rewards - lifestyle & retail discounts
* Pension scheme - 8% employer contribution (noncontributory)
* Interestfree season ticket loan
* Annual volunteering day & Net Zero employer commitment
If you're ready to deepen your expertise in specialist mortgage underwriting - and explore a future progression path into Field Underwriting - we'd love to hear from you.