Location: Remote Type: Full-time, Permanent Start Date: Monday, 19 January 2026 Salary: Competitive Reports to: Underwriting Technical Manager / Underwriting Quality Manager Are you a seasoned mortgage underwriter with a passion for quality assurance and responsible lending? Join Kensington Mortgages as a Quality Assurance Underwriter, where you'll play a pivotal role in ensuring the integrity of our underwriting decisions and helping shape the future of specialist lending. About the Role As an Underwriting Quality Analyst, you'll be responsible for reviewing and validating underwriting outcomes across all new lending originations and contract variations. You'll ensure alignment with our risk appetite, lending policy, and regulatory standards through a robust framework of QA and QC checks. This role is central to our commitment to responsible lending, and you'll work closely with our Lending Operations team to drive continuous improvement, coaching, and operational excellence. Key Responsibilities Re-underwrite offered Residential and Buy-to-Let mortgage applications and contract variations. Maintain expert knowledge of lending policy, product criteria, and operational procedures. Provide timely feedback and reporting to underwriters and team managers. Support skill development through coaching and knowledge sharing. Identify and implement process improvements to enhance audit and operational efficiency. Maintain accurate records of audit activities and support third-party audit reviews. Ensure compliance with financial crime prevention policies, including fraud and money laundering. Stay up to date with HR policies, regulatory changes, and underwriting standards. What You'll Bring 5 years experience in first charge mortgage originations, including 3 years in a mandated underwriting role (£250k). Prior experience in a QA role within a mortgage lender. Strong analytical skills and the ability to interpret complex data. Confident communicator with excellent influencing skills. Deep understanding of the mortgage intermediary market and fraud prevention. Proactive, detail-oriented, and able to work independently and collaboratively. Full understanding of TCF, responsible lending, risk layering, and vulnerability indicators. Highly PC literate and comfortable managing multiple tasks. Desirable Skills CeMAP qualification Experience with niche Buy-to-Let lending including HMOs, multi-unit properties, and Limited Company Buy-to-Let Why Kensington Mortgages? At Kensington, we've been leading the way in specialist mortgage solutions for over 25 years. As a subsidiary of Barclays Bank UK PLC, we operate with integrity, innovation, and a commitment to making a difference. We offer: A supportive and inclusive work environment Opportunities for personal and professional growth A culture that celebrates diversity and neurodiversity A workplace where everyone feels valued and empowered Ready to Make a Difference? If you're passionate about quality, compliance, and helping customers access the mortgages they deserve, apply today and become part of the Kensington Mortgages family. All offers are subject to DBS, credit, and Right to Work checks. Please ensure availability for training and avoid extended leave during onboarding.