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 market.
The successful candidate will assess mortgage applications in line with lending criteria, conduct affordability assessments, and ensure regulatory compliance.
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