14 jobs found

Job Title: BTL Underwriter Location: Office-based, 5 days a week Salary: From £55k+ (Dependent on Experience) Job Overview: We are seeking an experienced BTL (Buy-to-Let) Underwriter to join our dynamic team. The ideal candidate will have a minimum of 3 years' specialist BTL experience and be able to analyse various documents and data to assess the eligibility and associated risks of BTL applications. You will be responsible for maintaining detailed records, liaising with brokers and valuers, and ensuring compliance with internal procedures and service level agreements (SLAs). This is a fantastic opportunity for someone who thrives on working independently and as part of a team, with a focus on delivering quality results. Key Responsibilities: Analyse documents and data received from intermediaries to assess eligibility for BTL products. Evaluate the risk associated with BTL applications. Maintain accurate and detailed records of underwritten policies. Liaise with brokers and valuers to ensure accurate risk assessments of BTL applications. Ensure SLAs are met for all BTL applications. Determine the appropriate wording of Special Condition(s) for the offer. Release the final Mortgage Offer. Adhere to compliance standards and internal procedures. Work both independently and collaboratively within the team. Build and maintain positive relationships with brokers and other key stakeholders. Key Skills & Qualifications: Minimum of 3 years' specialist BTL underwriting experience. Strong analytical skills with a focus on attention to detail. Ability to work independently and as part of a team. Excellent communication skills. Proven track record of building strong working relationships with brokers and other parties. Ability to use initiative and make informed decisions. If you're looking for a challenging and rewarding role in a dynamic team with competitive compensation, apply now!

BTL Underwriter Our London client in the Banking sector is seeking a BTL Underwriter to join the team as soon as possible on 12 month FTC basis with a salary of 55,000 on offer. This role comes with a great perks package including generous holiday. What does the role entail? Working as a BTL Underwriter your main job role will be the underwriting of credit proposals, primarily of Buy to Let. You will Manage the review, assessment, investigation, and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures. You will also ensure the credit decisions are made within regulatory standards, credit policy and adhere to TCF principles and Customer First principles. What skills will you have? The ideal candidate for BTL Underwriter position will have good communication skills, both verbal and written, knowledge of Microsoft Office products, knowledge of UK regulatory framework, principles, and rules, knowledge of UK lending environment as well as having relevant experience in underwriting or assessing credit proposals in BTL. What is on offer? This 12 month FTC position as a BTL Underwriter, is the opportunity to join a supportive but hardworking team. The salary on offer is 55,000 per annum. A great incentive package is also available. How to apply? To be considered for this BTL Underwriter position please click apply now.

Completions Team Leader / Mortgage Completions / Leadership / BTL / Permanent / Birmingham / Hybrid Our client, a fast-growing financial services organisation are seeking a skilled Completions Team Lead to join their team. Leading a small team, you will be working closely with in-house teams to efficiently drive mortgage pipeline through to completion, ensuring full compliance with policies. It is a proactive role which will require you to engage with all parties to facilitate smooth and timely processes. It is a fantastic opportunity for someone looking to take the next step in their career and join an exciting business. Responsibilities Proactively manage post offer mortgage pipelines Liaise with 3rd parties to ensure successful processes Act as an escalation point for the small team Work with underwriters to offer extensions and product changes Experience Have demonstrated experience in mortgage completions - ideally BTL. Training staff Creating & updating policies and procedures Line management If you're interested in hearing more about this opportunity and would like to take the next step in your career please get in touch. Completions Team Leader / Mortgage Completions / Leadership / BTL / Permanent / Birmingham / Hybrid Completions Team Leader / Mortgage Completions / Leadership / BTL / Permanent / Birmingham / Hybrid Completions Team Leader / Mortgage Completions / Leadership / BTL / Permanent / Birmingham / Hybrid Below the Line Advertising Loan Origination Financial Services Residential Mortgages Mortgage Lending Underwriting Policies & Procedures U.S. Federal Housing Au

Underwriting Team Lead / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £55,000pa Our client, a fast-growing financial services organisation are seeking a highly skilled Mortgage Underwriter Team Lead to join their dynamic team. You will be responsible for a close-knit team of credit professionals and work closely with varying teams within the business to support SMEs and Financial Intermediaries in underwriting a range of loans across Buy-to-Let (BTL) products. It is a fantastic opportunity for someone looking to take the next step in their career and join an opportunity within a scaling organisation that doesn't come round often. Responsibilities Responsible for assessing new lending applications for risk and quality. Analysing loan applications for completeness and adherence to credit policy. Ensuring compliance with legislation and regulation. Working with internal and external stakeholders to ensure timely decisions and a high standard of customer service. Support and lead a small team to ensure success and compliance in their work Experience Minimum mandate level of £500k Ability to underwrite manually across multiple BTL types including: HMO & MUB, portfolio landlords, LTD company and LLP entities Strong understanding of regulatory requirements including PRA and FCA handbook. Experience leading a small team Extension experience in underwriting BTL products If you're interested in hearing more about this opportunity and would like to take the next step in your career please get in touch. Underwriting Team Lead / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £55,000pa Underwriting Team Lead / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £55,000pa Underwriting Team Lead / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £55,000pa

Mortgage Underwriter / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £40,000pa Our client, a fast-growing financial services client is seeking a skilled Mortgage Underwriter to join their dynamic team. You will join a close-knit team of credit professionals and work closely with varying teams within the business to support SMEs and Financial Intermediaries in underwriting a range of loans across Buy-to-Let (BTL) products. It is a fantastic opportunity for someone looking to take the next step in their career and join an opportunity within a scaling organisation that doesn't come round often. Responsibilities Responsible for assessing new lending applications for risk and quality. Analysing loan applications for completeness and adherence to credit policy. Ensuring compliance with legislation and regulation. Working with internal and external stakeholders to ensure timely decisions and a high standard of customer service. Experience Minimum 1 year experience mandated experience in underwriting BTL products Ability to underwrite manually across multiple BTL types including: HMO & MUB, portfolio landlords, LTD company and LLP entities Strong understanding of regulatory requirements including PRA and FCA handbook. If you're interested in hearing more about this opportunity and would like to take the next step in your career please get in touch. Mortgage Underwriter / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £40,000pa Mortgage Underwriter / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £40,000pa Mortgage Underwriter / BTL / Banking / Lending / Permanent / Birmingham / Hybrid / up to £40,000pa

Job Title: BTL Underwriter Location: London - Fully Office based (EC2A) London Central Type: Full-Time Salary: Competitive depending on Experience About the Role: We are seeking a highly motivated and detail-oriented BTL (Buy-to-Let) Underwriter to join our dynamic team. The successful candidate will play a crucial role in assessing BTL mortgage applications, ensuring that risks are accurately evaluated, and decisions are made in accordance with our company policies and regulatory requirements. Key Responsibilities: Application Analysis: Review and analyze various documents and data received from intermediaries to determine applicant eligibility for the BTL product. Risk Assessment: Accurately assess the risks associated with each BTL application, liaising with brokers and valuers to ensure a comprehensive understanding. Policy Management: Maintain detailed and accurate records of underwritten policies, ensuring all documentation is compliant with regulatory standards. Communication: Collaborate effectively with brokers, valuers, and other stakeholders to facilitate accurate risk assessments and maintain strong working relationships. Decision Making: Use your initiative to determine the wording of Special Conditions in offers and release the final Mortgage Offer to approved applicants. Compliance: Adhere strictly to compliance and internal procedures, ensuring all underwriting decisions align with company policies. Team Collaboration: Work independently when necessary but also contribute as a vital member of the team to achieve departmental goals. SLA Maintenance: Ensure all service level agreements (SLAs) are met, delivering timely and accurate underwriting decisions. Key Skills and Experience: Strong ability to use initiative, working independently and as part of a team. Excellent communication skills, both written and verbal. Proven experience in building and maintaining good working relationships with brokers and other parties. Solid understanding of BTL mortgage products, underwriting processes, and risk assessment. (min 3 years) Attention to detail and the ability to maintain accurate records and documentation. Why Join Us? We offer a collaborative and supportive work environment where your contributions are valued. We provide opportunities for professional growth and development, as well as competitive compensation and benefits. S end CV now for immediate consideration.

Specialist Underwriter - Fully Remote An established specialist mortgage lender is looking for an Underwriter to join their growing team. This is a homebased contract working for a lender that pride themselves on looking after their team. As a Specialist, Underwriter, you will work efficiently and with exceptional attention to detail to underwrite new mortgage applications. You will play a key role in a busy and thriving team that specialise in the Buy to Let mortgage space. You will build excellent working relationships across the business with the brokers and be a point of contact for customers and lenders too. What you'll need! - BTL Portfolio, HMO, Multi Unit Block experience in underwriting essential. Must have experience in LTD company lending too. - CeMap qualified ideal; if you're not, then our client is happy to support study! - Previously held a minimum mandate of £250k To be considered for this opportunity please send your CV to

Due to our continued success, we have an exciting opportunity within the Credit Risk team for a Senior Underwriter working for a successful financial services company within the buy to let mortgage sector. Reporting into the Credit Director, you will be based in Fleet working the hours of 9am 5pm with WFH options available after training. Salary is negotiable dependent on experience, a discretionary annual bonus, plus 25 days holiday, non-contributory pension, private healthcare, life assurance and income protection. The role would suit candidates with proven and extensive underwriting experience within the mortgage sector. The Senior Underwriter role is to provide vital support to all areas of the business, from criteria, property queries, title issues, tracing customers, Suspicious Activity Reports to fraud. This is an exciting and niche role for a keen mortgage underwriter to embrace a bigger challenge within their role and be involved in all areas of underwriting and related fraud matters. You will be the point of referral on complex cases from around the business, as to whether we can consider an application. You will accurately analyse and understand key elements of all mortgage applications, whilst ensuring adherence to all our policies or where the case is of good quality but outside policy, recommend to our funders as an exception for all approval. You will help to protect the Company from the risk of fraud by using our anti-fraud systems such as CIFAS and SIRA to investigate and act upon information received in a timely manner. The main duties of the role will be as follows: • To manually underwrite portfolio and complex BTL cases. • To recommend portfolio and complex BTL cases to our Funder. • To assist in maintaining and updating the lending policy, by researching, and recommending policy changes • Develop and maintain co-operative relationships between all internal stakeholders and investigate all referrals in a professional manner. (Underwriting and Sales) • Work our Fraud systems such as CIFAS, SIRA& Hunter to mitigate potential losses • To investigate suspicious alerts identified by our fraud prevention systems. • Exercise personal lending discretion when assessing exceptions. • Carrying out Broker reviews, liaising with sales before removal of a Broker • To assist in preparing Management Reports, ensuring they are prepared in time for Exco or Credit Committee meetings. To be successful as our Senior Underwriter, you should have the following: • Current or previous experience of working within the mortgage industry with a strong mortgage underwriting background, and a mandate held. • Proven ability to exercise good commercial and professional judgement. • Effective communication skills both written and verbal. • Adaptive to ongoing change • Enthusiastic, flexible, and keen to learn and develop a career. • Knowledge of CIFAS & SIRA systems would be beneficial but not essential In return we can offer a generous salary plus discretionary bonus, a full benefits package and the opportunity to WFH and progress your career within the business.

Do you want to work for a vibrant company who have drive and ambition but put their employees at the heart of what they do? Our client is exactly that company. They believe in working hard to achieve their goals, but they want their staff to have fun and a work life balance. They are looking for underwriters to join a growing team of 7 so far. They need experienced Buy to Let Underwriters, but this could just be part of your skill set as there is a definite opportunity to expand into other areas in the future. The primary function of this role is to assess and underwrite mortgage applications to ensure all lending complies with the company s credit risk policy. Additionally, work with the processing team to assist in the preparation of case files as well as assisting our intermediary partners by discussing potential new applications. If you want to join this exciting company, you will have: A current or recent Underwriting Mandate Good knowledge of Buy to Let lending (to include Limited Company, HMO and Multi lets) A good understanding of the mortgage process Knowledge of working under pressure to tight deadlines - a 'can do attitude Record/file management experience Experience of working in a team Ability to prioritise tasks Excellent communication skills In return, they offer: Hybrid working pattern: Office based in Milton Keynes OR SOLIHULL on Mondays & Thursdays with the other 3 days a week working from home. Contributory pension scheme Death in service (4 x salary) Vitality Private Medical Insurance & dental cover Employee Assistance Program Discretionary annual bonus Additional 2 days holiday over Christmas.

BTL Underwriter Our London client in the Banking sector is seeking a BTL Underwriter to join the team as soon as possible on permanent basis with a salary of £40,000 - £45,000 on offer. This role comes with a great perks package including generous holiday. What does the role entail? Working as a BTL Underwriter your main job role will be the underwriting of credit proposals, primarily of Buy to Let click apply for full job details

The overall responsibility of the role is to underwrite loan applications in accordance with the firm's lending criteria, policies and procedures. Key Accountabilities Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for 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 Recommending and referring cases to Credit Committee where credit committee approval required. Liaising with introducers, valuers and solicitors Overseeing cases from inception through to completion Skills & Competencies Pass internal competency tests post induction Attention to detail Ability to work as part of a team Good written and verbal communication skills Knowledge & Qualifications A strong understanding of FCA regulation Experience underwriting mortgage applications, specifically within the BTL market. CeMAP (desirable, not essential) Personal Attributes Flexible Articulate Well organised Robust and comfortable working to deadline and under pressure Values - CREDIT C Customer Customers are our primary focus R Results Results matter, create value every day E Energy Energy is contagious, Share it! D Development Developing our people makes us different I Invent Invent the solution, be proactive T Teamwork Together we can build the business

The City & Capital Group are delighted to be representing a highly successful and fast growing commercial property finance lender who have retained our services in order to identify and appoint a confident and ambitious Underwriter to their growing team. Our client offers a range of solutions to property investors and developers to cover both term debt (BTL) and short term property loans (bridging finance). This includes big ticket loans of £40m+ as well more standard loan sizes from £500k to assist key clients with their requirements. They also have exciting plans for additional product launches over the next 12 months and are expecting to double the size of their business and loan book during this period. Our clients product proposition can be complex and the requirement of the incoming Underwriter will be to assess cases commercially and to recommend credit/risk based decisions from their findings. As a result they are keen to identify an individual who can demonstrate a previous track record of success in terms of property finance underwriting. This will be someone who is keen to engage with the lenders internal development plan to offer promotions to Senior Underwriter once excellent performance is delivered. Within the role you will work closely with the businesses BDM's to support their originated deals from a credit management perspective. You will manage and maintain a pipeline of activity to ensure loans are assessed and actioned in line with SLA's. This may include joining credit committee meetings and actively influencing sanctioning decisions to the highest level. In addition you will be a key point of contact for brokers and direct borrowers to assist with queries and to support the funding cycle. You will utilise these relationships at times as a 'first point of contact' and where relevant will onboard applications directly from this channel. You will report in to the businesses Underwriting Manager and will be ably assisted from within the department too. The structure means you will have support from an experienced and hard working team of Junior Underwriters, Case Managers and Administrators who will assist you with the collation of key data, reports and assessment to undertake your complex assessments. As noted, the highest tier within the team is the Senior Underwriter position that you will aspire to once you have gained the required experience to tackle the most complex of cases. It is important to note that whilst working as an Underwriter for our client you will also have a strong working relationship with one of the teams Senior Underwriter's to aid your development and to assist with the delivery of complex loan applications. The salary on offer is up to c£55k, which will be relevant to experience and performance at interview, as you would expect. This will be complemented by an excellent bonus structure that could allow you to increase earnings significantly based on your impact on business performance, as well as access to the lenders benefits scheme. Most notably, due to the exciting level of investment and funding at play, as well as the progressive and forward thinking culture of the business, this is a genuine opportunity for you to propel your own earnings and career standing quickly within, once excellent performance has been delivered. Required Experience: Previous property finance underwriting experience is essential Must have worked within a non-automated underwriting based role Demonstrable success against objectives in previous roles key Ideal Personal Attributes: Highly analytical & numerical, with a strong attention to detail Happy working in a dynamic and fast paced environment Confident diary manager and results orientated against set deadlines Excellent broker/borrower relationship manager, influential Ambitious and keen to drive career forward within Equally confident working alone or as part of a team There is a reasonable amount of urgency to fill this position as you might expect in line with the exciting growth plans outlined. Therefore if this role does sound like one that you are both qualified for and interested in then we look forward to your application. Please note that if you are making your application over the festive break we may not be able to get back to you immediately. Our client closes down for two weeks over the Xmas period and therefore we will be looking to engage with interested parties early in 2023. We look forward to hearing from you. Kind regards,

The Opportunity Shawbrook is a new type of specialist financial services company, combining the relentless focus on customer service and innovation you would expect from a fintech with the expertise and certainty of a bank. Shawbrook is driven by a purpose to solve complex problems that unlock opportunity for its rapidly growing customer base of over 300,000 UK consumers and businesses. Our success would not have been possible without our Team. Our people differentiate us from the competition through their deep sector knowledge, they are the life force of our business. Join Shawbrook because you: Want to help us deepen our industry sector knowledge, combining technology alongside the best banking brains Want to build a bank for the future and be part of our digital transformation journey that will enable customers & businesses to thrive Want to continue to grow professionally. We encourage you to grow and be the best version of yourself Care about sustainability? We want to be better for our people, environment, and society Bring passion and enjoyment to your work. You'll work hard but you'll have fun too The Role & Responsibilities To underwrite Residential BTLs, Commercial Investment and Trading Business mortgage applications in line with the company lending policy and to manage the application through to completion Reporting to the Underwriting Manager, principal interfaces will be with Lending Manager Colleagues, Risk Management, Brokers and Lending Officer colleagues An ability to adopt a pragmatic approach to underwriting residential BTL, commercial and trading business mortgage applications within approved lending mandate To understand and analyse key items such as credit searches, bank statements, financial accounts, property valuations and business appraisals in order to make informed lending decisions To deliver high levels of accuracy and attention to detail in data input and all written communication produced Able to develop a rationale for those cases outside of own lending mandate or company lending policy and communicate findings to Credit Risk department for their consideration To build successful working relationships with external contacts such as brokers, customers, surveyors and solicitors as well as internal teams such as administrators, lending officers, credit risk and finance to ensure all lending requirements are satisfied prior to release of funds To effectively manage a pipeline of approximately 70 cases through to completion, ensuring both company service standards and the lending policy is complied with throughout To deal with all internal and external telephone & email enquiries efficiently and within company standards Ensure a good understanding of all the company's policies, procedures and compliance guidelines, installing the principles in your daily practice to protect the company from any associated risks To embrace the principles of treating customers fairly and responsible lending in all decision making To be able to assess the applicant's portfolio in line with the PRA requirements The Person Fully CeMAP qualified or a desire to work towards Excellent understanding of the BTL and Commercial mortgage sector (desirable) Good knowledge and understanding of legal conveyancing (desirable) Experience of working to tight deadlines Computer literate (good knowledge of MS Office suite - Excel, Word, PowerPoint) Knowledge of TCF Good knowledge of compliance procedures within the mortgage industry Reading and understanding of financial accounts, valuations, business appraisals and credit searches Ability to develop an analytical and pragmatic approach to underwriting Reward Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include: Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment Free access to Headspace, a mindfulness & meditation digital health app Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health Cycle to work scheme Discounts on gym membership Contributory pension scheme & death in service Your Lifestyle - It's important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you're enjoying your leisure time. Minimum of 27 days holiday per year Option to buy or sell holiday days through our flexi-holiday scheme Discounts on gym membership nationwide Access to discounts on a range of high street and online brands Community support and charitable giving Your Contribution - We're focused on rewarding those that go the extra mile in helping us achieve our goals. Participation in our annual discretionary bonus scheme designed to reward your contribution to our success Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done

The City & Capital Group are delighted to be representing a highly successful and fast growing commercial property finance lender who have retained our services in order to identify and appoint an ambitious and friendly Junior Underwriter to their growing team. Our client offers a range of solutions to property investors and developers to cover both term debt (BTL) and short term property loans (bridging finance). This includes big ticket loans of £40m+ as well more standard loan sizes from £500k to assist key clients with their requirements. They also have exciting plans for additional product launches over the next 12 months and are expecting to double the size of their business and loan book during this period. Within the role you will work closely with borrowers, brokers and the lenders business development team to assist with the case management and assessment of new enquiries at point of origination. This will include assisting with the collation of important documents and reports that will be used to underwrite and approve deals. You will engage with all stakeholders to the process, including professionals such as accountants, solicitors and surveyors to ensure that cases are managed and assessed in line with SLA's. Once the details of the deal and borrower are established you will undertake an initial underwrite of the loan application, providing your recommendations and feedback to the Senior Underwriters and Underwriting Managers. As a result they are keen to identify an individual who can demonstrate a previous track record of underwriting, case management or loans administration within the property finance sector. This role would also suit a property finance broker who is used to packaging cases for assessment by lenders and banks. Our client operates a strong promote from within policy with many of their current team having risen through the ranks internally following excellent performance within their roles. The lenders Underwriting Managers will actively assist your development to Underwriter level from day one. You will work closely with both the Underwriters and Senior Underwriters on their larger, more complex deals on a regular basis to give you the relevant exposure and uplift in your knowledge and credit risk principles. Due to this those that are ambitious and keen to grow with the firm as they do will be highly sought after. The salary on offer is up to c£40k, which will be relevant to experience and performance at interview, as you would expect. This will be complemented with access to the lenders favourable bonus scheme and benefits package. Most notably, due to the exciting level of investment and funding at play, as well as the progressive and forward thinking culture of the business, this is a genuine opportunity for you to propel your own earnings and career standing quickly within, once excellent performance has been delivered. Required Experience: Previous experience within underwriting, case management or as property broker Experience in managing brokers or borrowers directly Confident and comfortable when dealing with professional stakeholders Ideal Personal Attributes: Highly analytical & numerical, with a strong attention to detail Happy working in a dynamic and fast paced environment Confident diary manager and results orientated against set deadlines Excellent broker/borrower relationship manager, influential Ambitious and keen to drive career forward within Equally confident working alone or as part of a team There is a reasonable amount of urgency to fill this position as you might expect in line with the exciting growth plans outlined. Therefore if this role does sound like one that you are both qualified for and interested in then we look forward to your application. Please note that if you are making your application over the festive break we may not be able to get back to you immediately. Our client closes down for two weeks over the Xmas period and therefore we will be looking to engage with interested parties early in 2023. We look forward to hearing from you. Kind regards,