Miryco are delighted to be partnering with a growing mortgage provider making a huge splash in the UK and European mortgage market
This role sits within a growing mortgage business focused on asset deployment through mortgage origination.
We are seeking a highly experienced and detail-oriented Mortgage Underwriter with a strong understanding of the UK mortgage/Later-Life market.
The successful candidate will assess mortgage applications in line with lending criteria, conduct affordability assessments, and ensure regulatory compliance. The role includes underwriting both traditional repayment residential mortgages and equity release mortgages.
Key Responsibilities
* Assess and underwrite residential mortgage applications in line with internal policies and industry regulations, ensuring balanced and well-informed decisions.
* Conduct comprehensive affordability assessments, including the analysis of income, expenditure, credit history, and overall financial suitability.
* Evaluate properties against lending criteria, while demonstrating a wider market understanding of acceptable property types and risks.
* Collaborate with external partners—brokers, customers, surveyors, and conveyancers—and coordinate with internal teams to satisfy all lending requirements ahead of fund release.
* Stay informed about industry developments, product updates, and changes to the regulatory landscape in the UK mortgage market.
* Maintain detailed, accurate records of underwriting decisions to support audit and compliance processes.
* Contribute to continuous improvement initiatives, including refining underwriting processes, policies, and risk controls.
* Present updates and recommendations to internal committees where required.
* Support other areas of the business and provide guidance to colleagues as needed.
Skills & Experience
Required:
* Minimum of 5 years’ underwriting experience.
* Proven ability to perform thorough affordability assessments, including evaluation of credit searches, bank statements, financial records, and property valuations.
* Strong knowledge of lending criteria and regulatory standards.
* Excellent attention to detail and a structured approach to risk assessment.
* Effective multitasking and prioritisation abilities.
* Strong analytical, decision-making, and communication skills.
Preferred:
* Relevant qualifications such as CeMAP or RICS (AssocRICS / MRICS / FRICS).
* Experience working with mortgage underwriting platforms or case management systems.
For all other roles please Miryco's LinkedIn page