mortgage underwriter

Stellar Select Limited

Job Title: Mortgage Underwriter - Buy to Let Location: Hertfordshire Salary: Based on experience Hours: Monday to Friday 9 am to 5.30 pm About the position of Mortgage Underwriter - Buy to Let: Ideally, you'll have worked with a specialist lender, but we also welcome applications from underwriters with strong Buy-to-Let experience at high street banks. This role offers an exciting chance to develop your expertise in complex mortgages within a fast-growing, forward-thinking business. You'll be responsible for underwriting and assessing BTL mortgage applications, managing broker relationships, and working closely with credit committees. If you have a proven track record in BTL underwriting and are ready to take the next step in your career, this is an excellent opportunity to join a successful lender with ambitious growth plans. Responsibilities for the role of Mortgage Underwriter - Buy to Let: <ul> <li>Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns.</li><li>Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for.</li><li>Proactively manage a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained.</li><li>Recommending and referring cases to Credit Committee where credit committee approval required.</li><li>Liaising with introducers, valuers and solicitors.</li><li>Overseeing cases from inception through to completion.</li></ul> Experience and skills required for the role of Mortgage Underwriter - Buy to Let: <ul> <li>Mandated underwriting experience, specifically within Buy-to-Let mortgages</li><li>Proven ability to assess loan documentation and valuation reports, identifying and flagging any concerns</li><li>Strong track record of carrying out thorough checks on applicants and properties to determine loan suitability</li><li>Experience managing a mortgage application pipeline, proactively chasing missing information and providing timely updates to introducers</li><li>Confident in recommending and referring cases to Credit Committee for approval when required</li><li>Skilled in liaising with introducers, valuers, and solicitors to ensure smooth case progression</li><li>Demonstrated ability to manage cases from inception through to completion</li></ul> For more information regarding the role of Mortgage Underwriter - Buy to Let please contact us Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.

Mortgage Underwriter

Evolution Money

Mortgage Underwriter Mortgage Underwriter - Second Charge Company: Evolution MoneyLocation: Manchester City Centre, M1 - 5 days per week onsite, hybrid working options available after successful completion of probation (minimum 3 days per week onsite). Operating hours 9am to 7pm.Job Type: Full-timeBasic Salary: £32,548 plus competitive bonus scheme. About Us:Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those who might be overlooked by conventional financial institutions. The RoleAs a Mortgage Underwriter - Second Charge you'll actively manage a pipeline of applications from completion of application to authorisation. You'll be responsible for manually underwriting loan applications, communicating with customers, brokers and our Mortgage Advice team to verify documentation, review and conclude lending decisions.Our Underwriting team work closely with our Mortgage Advice team to progress applications quickly and accurately, ensuring good customer outcomes. We're friendly, supportive and fast paced with the drive to bring out your best. Responsibilities <ul> <li>Reviewing and manually underwriting second charge mortgage applications in line with regulatory standards, company policies, procedures and guidelines.</li><li>Examining supporting documentation, verifying accuracy and requesting additional information as necessary.</li><li>Accurately updating customer records and application details.</li><li>Assessing every customer on their individual circumstances and the evidence presented, to ensure good customer outcomes.</li><li>Communicating clearly with customers throughout the process, answering customer enquiries and providing timely updates to all stakeholders.</li><li>Achievement of minimum KPI Requirements and Targets</li></ul> Minimum Essential <ul> <li>Minimum 12 months experience assessing or processing loan applications - ideally in second charge lending or motor finance.</li><li>Evidenced ability to thrive in a fast-paced KPI / target driven environment.</li><li>Experience meeting consistent quality standards while handling a large volume of customer cases.</li></ul> Additional <ul> <li>The ability to effectively question and challenge evidence presented</li><li>Attention to detail.</li><li>Experience in identifying vulnerable customer and working with adverse credit indicators.</li><li>Strong communication skills, both verbal and written</li><li>Detail-oriented with strong data accuracy</li><li>Problem solving skills.</li><li>Good Numeracy and Microsoft office skills</li></ul> What you get in return <ul> <li>Excellent career progression opportunities, including pathway to our Mortgage Advice team.</li><li>Funding and support available to gain CeMAP Mortgage Advice qualification.</li><li>Excellent social events</li><li>Up to 25 days' annual leave + bank holidays</li><li>Your birthday off, every year!</li><li>A healthcare cash plan</li><li>A contributory pensions scheme, matched up to 5%</li></ul> Company Culture:Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve. Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional results and creating a positive impact in the financial services industry. We believe in fostering a work environment that encourages growth, learning, and teamwork. We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is respected. We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit. We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately disadvantage protected groups, and which are not justified by the demands of the role. Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require. Please get in touch with us at any stage of recruitment to discuss it. If you need any support with completing this application, please contact us and we will be happy to assist. Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum criteria for the role. REF-

Ultimate Banking Ltd

Senior Mortgage UnderwriterCentral Belt, Scotland£dependent on experience, up to £45kAre you an experienced manual mortgage underwriter who thrives on providing excellent customer service, and underwriting a variety of residential and B2L loans? Our client has an exciting opportunity to join their team as a Senior Mortgage Underwriter; here you will be working in a close knit team of 6 and reporting to the Mortgage Underwriting Manager, being responsible for assessing complex residential mortgage applications up to £1m. They are an established and highly customer focussed business with many awards to their name. This is a new role as they continue to expand and grow their lending offerings to their customers. You will be expected to be in their office (Central Belt) at least once a week (likely more the first few weeks) but thereafter flexibility to WFH. Duties will include: <ul><li>Assess mortgage applications in line with lending policy and regulatory standards (MCOB) </li><li>Perform detailed affordability assessments, including non-standard income and complex applicant profiles </li><li>Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring </li><li>Provide technical guidance to junior underwriters and administrative assistants </li><li>Contribute towards underwriting policy reviews and process improvements </li><li>Liaise with intermediaries and internal stakeholders to progress applications efficiently </li></ul>The successful candidate will possess: <ul><li>At least 3 years' previous manual mortgage underwriting experience in residential and / or B2L lending</li><li>Previously held a mandate</li><li>Have a customer focus, be able to work within a relatively small team and contribute to the wider business, supporting more junior colleagues in particular</li></ul>Along with a competitive salary, additional benefits include: bonus scheme, very generous pension scheme and BUPA health care. If you are an experienced mortgage underwriter who can commute to the Central Belt area once a week and looking to work in a customer focussed lender, please apply now.

Senior Mortgage Underwriter

InCommon

<div>
 
 
 Location:
 
 Gurugram (In-office)
 
 
 
 Shift:
 
 5:30 PM &ndash; 2:30 AM IST
 
 
 
 Experience:
 
 1 &ndash; 4 years
 
 
 
 Compensation:
 
 ₹50,000 &ndash; ₹75,000 per month
 
 
 
 
 
 
 About the Role
 
 
 
 We&rsquo;re building an
 
 underwriting operations team
 
 for a US rental-tech company that enables fair, fast, and fraud-free tenant approvals.
 
 
 If you&rsquo;ve handled BFSI or back-office processes and enjoy analytical work with global exposure, this is a strong next step.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Evaluate rental applications and verify supporting data.
 </li>
 <li>
 Maintain process accuracy and compliance with SOPs.
 </li>
 <li>
 Record findings, communicate updates, and coordinate case closures.
 </li>
 <li>
 Identify process gaps and suggest improvements.
 </li>
 <li>
 Meet daily quality and turnaround targets.
 </li>
 </ul>
 
 
 
 
 
 Requirements
 
 
 <ul>
 <li>
 4 + years in
 
 BPO / KPO operations
 
 (preferably BFSI / Mortgage / Risk).
 </li>
 <li>
 Excellent written English and documentation skills.
 </li>
 <li>
 Proficiency with workflow tools or CRMs.
 </li>
 <li>
 Comfortable with night shift and structured, target-based work.
 </li>
 </ul>
 
 
 
 
 
 Good to Have
 
 
 <ul>
 <li>
 Prior exposure to
 
 underwriting, verification, or document review
 
 .
 </li>
 <li>
 Experience working with US-based clients.
 </li>
 </ul>
</div>

Analyst- Mortgage Underwriter

Montpellier Resourcing

Up to £100,000 plus EXCELLENT bonus and benefits Hybrid Working Available! A fantastic opportunity has arisen for an experienced Underwriter to join the Buy to Let department at a leading specialist Property Lending company based in the heart of London. You will be responsible for approving new mortgage applications within the Standard, Professional and portfolio But To Let product offering, and working to add value to the entire BTL process. You will also be repsonsible for managing more junior members of the team. Duties of the Buy to Let Underwriter: <ul> <li>Foster strong partnerships with the BTL Underwriting and Credit teams.</li><li>Provide input and authorize credit decisions within delegated authority to promote responsible portfolio growth in alignment with Credit Policy.</li><li>Assess and underwrite mortgage applications with higher risk profiles.</li><li>Make lending decisions in accordance with the Credit Risk Policy, Responsible Lending Policy, and individual mandate limits.</li><li>Act as an escalation point for team members, offering guidance, coaching, and training where necessary.</li><li>Take a holistic approach to applications, considering overall customer needs and outcomes.</li><li>Oversee new applications, correspondence, and pre-submission queries while meeting service level agreements.</li><li>Proactively manage a pipeline of applications from submission through to completion.</li><li>Collaborate with a pre-approved panel of Introducers to ensure swift, accurate, and consistent underwriting outcomes.</li><li>Adhere to internal guidelines and regulatory frameworks, including FCA, PRA, AML, Financial Crime Prevention, and Data Protection standards.</li><li>Take on project responsibilities and complete ad-hoc tasks as directed by management.</li></ul> Requirements for the successful Buy to Let Underwriter: <ul> <li>Minimum of 5 years' experience within underwriting and / or credit exposure within the BTL / Portfolio BTL market</li><li>Candidates will currently be holding a non-entry level lending mandate</li><li>Candidates must have managerial experience</li><li>Experience liaising with Introducers and external customers</li><li>CeMAP Qualified highly desirable</li><li>Understanding and experience of the regulatory environment</li></ul> This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.

Senior Buy to Let Underwriter

Kensington Mortgage Company

Location: Fully Remote (Including all training)Type: Full Time, permanentReports to: Underwriting Team ManagerSalary - CompetitiveStart Date - 19th January 2026Are you a experienced mortgage Underwriter looking to make a real impact? We're on the lookout for motivated professionals to join our dynamic Lending Operations team at Kensington Mortgages.This is more than just a job , it's a chance to be at the heart of our underwriting function, helping us deliver responsible, specialist lending with integrity. If you're passionate about making a difference and thrive in a fast-paced, purpose-driven environment, we'd love to hear from you.Overall Purpose of JobAs an Underwriter, you'll be responsible for assessing and approving Residential and Buy-to-Let mortgage applications, ensuring they align with our lending policy, FCA standards, and Treating Customers Fairly (TCF) principles.You'll be a key player in risk-based decision-making, maintaining top-tier underwriting standards and building strong relationships with brokers.About UsFor over 25 years, Kensington Mortgages has been a pioneer in specialist mortgage solutions, offering hope to customers who may not fit the mould of traditional lending.We call it the Kensington Difference a commitment to understanding each customer's unique story and providing tailored solutions when others won't.As a wholly owned subsidiary of Barclays Bank UK PLC, we operate with the highest standards of service and integrity, fully authorised by the Financial Conduct Authority.Key Accountabilities<ul><li>Underwrite and approve mortgage applications within your mandate (200k+), ensuring quality and compliance.</li><li>Escalate cases outside mandate with clear rationale.</li><li>Communicate effectively with brokers, providing timely updates and clarity.</li><li>Support User Acceptance Testing (UAT) phases.</li><li>Champion TCF and responsible lending principles.</li><li>Collaborate with the completions team to drive operational efficiency.</li><li>Uphold our Code of Business Ethics and support financial crime prevention.</li><li>Stay up to date with HR policies, regulations, and underwriting standards.</li><li>Meet service level agreements and handle complaints professionally.</li><li>Contribute to process improvements and ad hoc projects.</li></ul>Experience, Knowledge, Skills<ul><li>Minimum 3 years experience in Prime and Specialist lending with a minimum mandate of 200k+.</li><li>Strong communication skills and confidence in broker engagement.</li><li>Deep understanding of the mortgage intermediary market and FCA permissions.</li><li>Awareness of organised fraud and risk mitigation controls.</li><li>A proactive, adaptable mindset with a collaborative spirit.</li><li>Solid grasp of responsible lending and regulatory frameworks.</li><li>Experience underwriting residential and buy to let cases</li></ul>Desirable Experience, Knowledge, Skills<ul><li>Experience with niche Buy-to-Let lending (HMOs, light refurbishments, multi-unit properties).</li><li>Knowledge of Second Charge lending.</li><li>CeMAP qualification.</li></ul>Why Join Kensington MortgagesAt Kensington Mortgages, we believe our employees are the heart of our success. We are committed to creating a supportive and flexible work environment that values personal growth, professional development and a healthy work-life balanceOur inclusive culture respects and celebrates diversity in all its forms, ensuring that everyone feels welcome, valued and understood. We recognise and appreciate differences in thinking, learning styles, gender, race, identity, ethnic origins and sexual expression.We are an inclusive, neurodiversity-friendly employer committed to creating a supportive environment where all employees can thriveAt Kensington Mortgages, our people are our greatest asset. We offer:<ul><li>A supportive and flexible work environment.</li><li>Opportunities for personal growth and professional development.</li><li>A culture that celebrates diversity, inclusion, and neurodiversity.</li><li>A workplace where everyone feels valued, respected, and empowered.</li></ul>Ready to make a difference?If you're passionate about providing an exceptional service and want to join a team that values your contributions we'd love to hear from youApply today and be part of the Kensington Mortgages family and help us to continue making a positive impact in the lives of our customers.

Underwriter

The Coast Partnership Ltd

Key underwriter positions with a city based Specialist lender who has gained a reputation for " a family feel within the office" and a huge level of success. Due to a recent influx of quality business and a pro-active new management team, they are keen to hire a number of experienced Commercial Mortgage Underwriters to work in smart City offices.Key Responsibilities:Manage a pipeline of Non Regulated Bridging loan cases and prioritise accordingly. Underwrite loan applications within company lending criteria by making quality lending decisions.<ul><li>Be vigilant when working on cases and refer where necessary to the appropriate person.</li><li>Maintain a high level of communication at all times with interested parties including brokers, applicants, surveyors and solicitors.</li><li>Maintain a high level of customer service with those internally and externally.</li><li>Work closely with other departments within the company including sales, compliance, finance and collections.</li><li>Think outside the box and be proactive when suggesting ways to overcome potential problems, whilst ensuring that there is no additional risk to the company.</li><li>Maintain oversight of a loan post completion and follow up on any offer conditions prior to handing the loan to collections.</li><li>Keep up to date with current best practice and regulatory requirements.</li><li>Represent the company at events as required</li></ul>Key Competencies:Experience of bridging Loan underwriting products .The role is fully office based and offers a competitive salary and supporting package.

Bridging Underwriter

Search 398+ Mortgage underwriter jobs near you this December. New roles added regularly across leading industries. Apply today.

398 mortgage underwriter jobs NEAR_ME

Mortgage Underwriter

Mortgage Underwriter

Senior Mortgage Underwriter

Analyst- Mortgage Underwriter

Senior Buy to Let Underwriter

Underwriter

Bridging Underwriter