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.
#J-18808-Ljbffr