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

Fintelligent

Are you an experienced Bridging Underwriter looking for a new opportunity? Our client, a boutique specialist lender based in the heart of London, is growing and is seeking a talented applicant to manage unregulated bridging loan applications from start to finish. This is your chance to be part of an exciting journey in a dynamic and fast-paced environment.With a competitive salary of £55,000 - £65,000, this Underwriter role offers you the chance to be part of a growing company in Central London.Our client is a boutique specialist lender located in London, known for its ambition and excellence in service. The company prides itself on providing innovative financial solutions to its clients, with a focus on unregulated bridging loans.As an Underwriter, you will:<ul> <li>Conduct due diligence to support lending outcomes.</li><li>Identify and address fraud, credit risks, and other issues.</li><li>Liaise with borrowers, solicitors, valuers, brokers, and internal teams.</li><li>Review application forms and legal documentation.</li><li>Prepare indicative terms and loan offer letters.</li><li>Manage loan information using Excel and CRM systems.</li><li>Assist in developing a loan management system.</li><li>Monitor industry news and prepare investment committee papers.</li></ul> Package and Benefits:The Underwriter role comes with a comprehensive package:<ul> <li>Annual salary of £55,000 - £65,000.</li><li>25 days paid annual leave plus bank holidays.</li><li>Company pension scheme.</li><li>Smart casual dress code.</li><li>Full-time position with working hours from 09:00 to 17:30, Monday to Friday, based in Central London.</li></ul> About YouThe ideal Underwriter will have:<ul> <li>At least 1 year of experience in a similar role at a bridge lender.</li><li>Ability to manually underwrite without automated systems.</li><li>Knowledge of AML/KYC regulations and loan types.</li><li>Proficiency in Microsoft Office, especially Excel.</li><li>Excellent communication, organisation, and customer service skills.</li><li>Methodical mindset with attention to detail and ability to multitask.</li></ul> If you're interested in securing your next career move as a Bridging Underwriter, this Underwriter position might be the perfect fit for you. The skills and experience required for these roles align closely with the responsibilities of an Underwriter in our client's company.This is a fantastic opportunity for an Underwriter to join a thriving lender in London. If you're ready to take the next step in your career and make a significant impact, we'd love to hear from you. Apply now and be part of a team that's shaping the future of lending.

Underwriter Bridging

Stellar Select Limited

Job Title: Bridging Underwriter Location: Hertfordshire Salary: Salary is open to discussion based on experience Hours: Monday to Friday, 9:00 am to 5:30 pm About the position of Bridging Underwriter: An exciting opportunity has arisen with a well-established and highly successful specialist lender for a Bridging Underwriter. The overall responsibility of the role is to take ownership of allocated cases from inception through to completion. Responsibilities for the role of Bridging Underwriter: <ul> <li>Take ownership of allocated cases from inception through to completion, adhering to robust underwriting and due diligence processes.</li><li>Manage and prioritise a dynamic pipeline of bridging finance cases to ensure timely progression.</li><li>Ensure all applications comply with lending criteria and regulatory requirements.</li><li>Coordinate effectively with internal teams and external partners throughout the lending process.</li><li>Instruct solicitors upon offer and provide all necessary documentation accurately and promptly.</li><li>Act with integrity, following Treating Customers Fairly (TCF) principles and responsible lending guidelines.</li><li>Apply deep underwriting knowledge and expertise to support sound lending decisions.</li><li>Collaborate with and support the wider team when required.</li></ul> Experience and skills required for the role of Bridging Underwriter: <ul> <li>Previous experience in underwriting within a Bridging and/or Development finance lender will be essential</li><li>A strong understanding of FCA regulation</li><li>CeMAP (desirable, not essential)</li><li>Experienced in the use of Word, Excel, PowerPoint Point and Outlook.</li></ul> For more information regarding the role of Bridging Underwriter, please contact us. Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to high volumes of applications, we will only contact you if your application is successful. We aim to do so within two business days.

Bridging Underwriter

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

KFS Recruitment

UnderwriterBridging FinanceLondonWe are currently working with a fast-growing lender, who are looking for a Bridging Underwriter to join the team.The Sales and Underwriting teams are currently expanding, to ensure the business can grow and continue to deliver exceptional service.Your main responsibility will be to work within the Underwriting team, to ensure effective risk management and seamless drawdown of funds to borrowers.Responsibilities:<ul><li>Liaising with valuers, solicitors, and intermediaries</li><li>Ensuring all files are complete and accurate</li><li>Ensuring all deals comply with the Company's lending criteria</li><li>Completing all credit papers accurately</li><li>Projecting positivity, professionalism, and knowledge across all communications</li><li>Working closely with the whole business to ensure deals progress smoothly and efficiently</li></ul>Key skills / Experience:<ul><li>Analytical and methodical thinking</li><li>Ability to take ownership</li><li>Successful task management, to deliver high quality service</li><li>Previous underwriting experience within Financial Services (Ideally bridging finance)</li><li>Ability to communicate at all levels</li><li>A can-do attitude</li><li>A flexible approach to work</li><li>A confident communicator</li><li>Self-motivation</li></ul>

Kiavi

<div>Kiavi is one of the nation's largest private lenders to residential real estate investors (REIs). We harness the power of data &amp; technology to offer our customers a simpler, more reliable, and faster way to access the capital they need to scale their businesses.

Formerly known as LendingHome, we're committed to helping REIs revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country.

Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards, Best Digital Mortgage Platform, Fast Company's Most Innovative Companies, and many more.
<ul>
<li>Loans Funded: $27 billion in loans funded</li>
<li>Homes financed: 100,000+ projects funded for our customers across the country</li>
<li>Geography: 45 states + D.C. where we lend to REIs so they can revitalize neighborhoods</li>
<li>Employees: Over 450 employees with competitive benefits and perks</li>
</ul>
This position can be based remotely in any of our approved hiring regions. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them.

<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div>The Role

An Underwriter has superior credit training and excellent organizational skills. Underwriters are responsible for managing the loans through final credit approval including working with Sales, Loan Analyst, closers/funders and valuation analysts. The candidate must possess a working knowledge of residential lending programs and practices with the proven ability to partner with sales and processing to move loans quickly and efficiently through the pipeline. The individual will be expected to provide superior client service to achieve financial objectives. The successful candidate must also be highly self-motivated, entrepreneurial, organized and passionate about growing a business in a team environment.

Responsibilities
<ul>
<li>Underwrite multiple mortgage loan products in compliance with company credit guidelines and regulatory requirements
</li>
<li>Review loan files for completeness, identify missing documentation and generate condition lists for the applicants
</li>
<li>Collaborate with the loan analyst and salesperson to complete the credit analysis in a timely manner
</li>
<li>Ensure that the correct data is entered into the loan origination system
</li>
<li>Responsible for reviewing and owning all loan file details prior to submission to closing manager including work done by all upstream partners
</li>
<li>Work with loan analyst and closers to ensure a smooth hand-off of the files occurs
</li>
<li>Manage constant deal flow and prioritize to ensure loans close on time with a high degree of accuracy in a deadline-oriented environment
</li>
<li>Identify and report any suspected fraudulent activity occurring with any stakeholder and escalate issues to the appropriate management when necessary
</li>
<li>Keep abreast of all company policies and procedures as well as federal and state regulatory changes by participating in in-house training events
</li>
<li>Proficient in pipeline management</li>
</ul>
Qualifications
<ul>
<li>Education: Bachelor's Degree or relative experience
</li>
<li>Experience: 3+ years residential mortgage lending experience with good knowledge of lending regulations and credit/collateral analysis practices; underwriting or processing fix &amp; flip hard money loans a plus
</li>
<li>Skills/Ability: Strong written and verbal communication skills; must be able to adapt well to a fast-paced and constantly changing business environment; PC proficient at the intermediate level; comfortable with new technology systems and paperless environment, demonstrated the ability to work in a team-oriented environment; demonstrated ability to provide good customer service
</li>
</ul>Kiavi takes a market-based approach to pay, and pay may vary depending on your location. The expected annualized base pay range for this full-time role to be performed remotely is $60,000 to $90,000 + $9,000 bonus + benefits. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries. Within the range, the successful candidate's starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. Your recruiter can share more about the specific base pay range for your preferred location during the hiring process. Please note that the pay range listed above reflects the base salary only, and does not include the target value of bonus [remove if not applicable], equity, or benefits.
</div>
</div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div>Benefits and Perks</div>
<ul><li>Medical, Dental, and Vision Insurance: Kiavi offers free employee-only coverage for medical, dental, and vision plans. Dependents receive a heavily discounted premium, competitively placed in the 90th percentile for cost.</li>
<li>Health Savings Account (HSA): For those enrolled in a High Deductible Health Plan (HDHP), Kiavi provides an annual employer contribution to HSAs: $1,000 for individual coverage and $2,000 for dependents.</li>
<li>Disability and Life Insurance: Immediate access to short-term and long-term disability insurance, as well as group life and AD&amp;D insurance, with coverage at 1x annual salary.</li>
<li>Remote Work Policy: Kiavi supports working remotely for day to day activities for most roles and occasionally may ask employees to gather in person for key meetings, training, team building etc. For remote workers, Kiavi offers a one-time office setup reimbursement of up to $500 and a monthly $85 stipend for internet and phone expenses. For in-office workers, Kiavi offers employer contributions to commuter benefits account, either for parking or public transportation.</li>
<li>Flexible Time Off: Employees are empowered to manage their own time off, with no strict limits, as long as it's approved by their manager.</li>
<li>Paid Leaves: Up to 8 weeks of paid leave for medical or caregiver purposes, and 12 weeks of paid maternity/paternity leave. Short-term disability leave is also available for birthing mothers.</li>
<li>401(k) &amp; Company Match: A 401(k) plan managed by Fidelity, with Kiavi matching 100% of contributions up to 3% of compensation or $8,000 (whichever is less). All employer contributions are immediately vested.</li>
</ul>
Protect yourself from recruitment scams:
<ul>
<li>If you are offered an interview or a role with Kiavi, this will be communicated with you through email, via an official email address ending in @kiavi.com or @lendinghome.com.</li>
<li>You will never be asked for payments of any kind during the process.</li>
<li>We also never communicate with candidates via Whatsapp at any point during the recruitment process.</li>
<li>We won't ask for personal information or data via text message. If you have any concerns regarding how genuine a text message is, please contact your recruiter.</li>
<li>You can find our official Kiavi careers page here. We advise you to check that the page details and website addresses match if you have any concerns.</li>
</ul><h5 class="jobSectionHeader">Kiavi is an Equal Opportunity Employer 
San Francisco Fair Chance Ordinance Police Code, Article 49</h5>
<h5 class="jobSectionHeader">We use E-Verify to confirm the identity and employment eligibility of all new hires.</h5></div>

Dominion Financial Services

<div>Who We Are: 
Dominion Financial Wholesale (DFW) is a nationally recognized Non-QM lender dedicated to serving consumer mortgage brokers. Specializing in DSCR and alternative-qualification loan products, we provide flexible, client-focused financing solutions that help brokers grow their businesses and close more deals. We&rsquo;re expanding rapidly and looking for a detail-oriented Underwriter to join our team and support our mission of delivering speed, service, and reliability&mdash;where brokers win. 
 
Our Company&rsquo;s Core Values:<ul><li>
Integrity</li><li>
Accountable &amp; Dependable</li><li>
Team Centric</li><li>
System &amp; Process Oriented</li><li>
Service Ethic</li><li>
Organized Efficiency - Risk Management &amp; Compliance</li></ul> 

Your Impact:<ul><li>
Ensure the integrity of mortgage underwriting decisions that directly affect loan quality and investor trust</li><li>
Drive efficient and compliant underwriting processes to support rapid loan decisioning and broker satisfaction</li></ul> 

In This Role You Will:<ul><li>
Review and assess mortgage loan applications to determine eligibility and risk</li><li>
Analyze financial documents such as tax returns, bank statements, appraisals, and credit reports</li><li>
Make informed underwriting decisions based on company guidelines, program requirements, and applicable regulations</li><li>
Collaborate with loan officers, processors, and other stakeholders to clarify and gather required documentation</li><li>
Maintain complete, accurate records of underwriting decisions and conditions</li><li>
Stay current on industry regulations, Non-QM program changes, and underwriting best practices</li><li>
Support a team-oriented, solutions-driven underwriting environment</li><li>
Perform other underwriting-related duties as assigned by management</li></ul> 

Requirements:<ul><li>
Bachelor&rsquo;s degree or 5+ years of mortgage underwriting experience</li><li>
Minimum of 5 years as a Mortgage Underwriter with demonstrated ability to manage complex underwriting scenarios</li><li>
Strong experience underwriting Non-QM products (bank statement, asset depletion, DSCR, 1099, and P&amp;L loans)</li><li>
Manual underwriting experience required</li><li>
Recent underwriting experience (within the past 6 months)</li><li>
Expert understanding of both Agency and Non-QM lending guidelines and compliance requirements</li><li>
Proficiency with mortgage software systems, including Encompass and Mavent</li><li>
Exceptional analytical, organizational, and decision-making skills</li><li>
Clear, professional communication skills, both written and verbal</li><li>
High attention to detail and accuracy</li></ul> 

Benefits:
<ul><li>Health insurance
</li><li>Dental insurance</li><li>
Vision insurance</li><li>
401(k)</li><li>
401(k) matching</li><li>
Paid time off</li></ul> 

While At Dominion You Will Enjoy<ul><li>
Company outings &amp; social events</li><li>
Virtual events</li><li>
Companywide competitions and raffles</li><li>
Personal financial workshops</li><li>
Orioles season tickets</li></ul> 

RuVGr0qzt7</div>

Wholesale Underwriter

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