Mortgage Underwriting

Minimum 2 Years’ Mortgage Underwriting Experience Required

We are looking for experienced Underwriters with a strong background in Buy-to-Let lending, although candidates with Residential and Commercial underwriting experience and broad lending knowledge will also be considered.

This is an exciting opportunity to join a growing specialist lender where you will manage complex mortgage applications, work collaboratively across teams, and play a key role in delivering high-quality lending decisions.

The Role as an Underwriter, you will assess and underwrite mortgage applications accurately, consistently, and in line with lending policy, regulatory requirements, and risk appetite.
You will manage a varied pipeline of specialist lending cases while maintaining excellent service standards and building strong relationships with brokers and internal stakeholders.
Key Responsibilities

• Underwrite mortgage applications in line with lending criteria and compliance standards
• Assess complex cases with sound judgement and strong attention to detail
• Interpret credit reports, financial statements, and supporting documentation
• Review a variety of specialist lending scenarios including:
  • Buy-to-Let
  • HMOs
  • Multi-Unit Properties (MUPs)
  • Expats & Foreign Nationals
  • Limited Companies & SPVs
  • Holiday Lets
• Provide clear lending decisions and escalate cases where required
• Manage and prioritise your own pipeline effectively
• Liaise with brokers, valuers, and internal departments to progress cases smoothly
• Support continuous improvement and contribute to a collaborative team environment

Skills & Experience Required ✔ Minimum 2 years’ underwriting experience
✔ Strong experience within Buy-to-Let lending preferred
✔ Residential and Commercial underwriting backgrounds also considered
✔ Broad lending knowledge across specialist mortgage products
✔ Excellent analytical and problem-solving skills
✔ Strong communication and relationship-building ability
✔ Ability to work efficiently in a fast-paced environment
✔ High attention to detail and strong decision-making capability
✔ Competent with Microsoft Office applications
Desirable Experience

• Experience underwriting specialist property types and complex cases
• Previous underwriting mandate experience
• Knowledge of specialist lending markets and regulatory requirements
• Positive, adaptable, and proactive approach

What’s on Offer

• Hybrid working arrangement
• Opportunity to work within a growing specialist lending environment
• Exposure to complex and interesting cases
• Supportive and collaborative culture
• Career development and progression opportunities

If you are an experienced Underwriter looking for your next opportunity within specialist lending, we would love to hear from you.

Apply Now!

Don’t miss this chance to join an amazing team!
Interviews happening now – contact Helen at ME Recruits today!

In application for this role, you are consenting to TN Recruits Ltd retaining your details to secure you work. All information provided will be held securely for up to 3 years unless we are contacted and instructed otherwise.