We are seeking a highly skilled Senior Credit Underwriter to join our team in London, United Kingdom. In this critical role, you will be responsible for evaluating and analysing complex credit applications, assessing risk, and making informed lending decisions to support our organization's growth while maintaining a strong risk management framework. Conduct forensic analysis of credit applications, with detailed assessment of financial performance, cashflows, forecasts and key risk drivers. Challenge and shape deal structures - including leverage, covenants, security and repayment profiles - ensuring proposals align with risk appetite. Benchmark commercial terms against prevailing market conditions and provide balanced, evidence-based challenge. Prepare clear, confident credit recommendations and present cases at Credit Committee. Provide early-stage guidance to Deal Teams to influence structure, pricing and risk positioning ahead of formal underwriting. Monitor in-life exposures to identify emerging risks or refinancing opportunities. Collaborate effectively across the business to support strong customer outcomes and portfolio discipline. Mentor and support junior underwriters, contributing to the continuous improvement of underwriting standards and processes. The Person Significant experience underwriting mid-market or corporate lending transactions. Advanced financial analysis skills and the ability to undertake forensic-level assessment where required. Strong credit judgement and the confidence to articulate risk and structuring rationale. Awareness of relevant regulatory expectations (e.g., IFRS9) and how they inform credit decisions. A commercial mindset with the ability to balance opportunity and disciplined risk management. The Opportunity Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders. We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers. The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person. Work with us because you: Want to be part of a bank built for the dynamics of the modern world Relish a challenge and enjoy a fast-paced, innovative and hardworking culture Enjoy finding new and better ways to solve complexity and make things happen Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups Care about society and the environment and want to be part of a business that cares too Want to continue to grow professionally and be the best version of yourself 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
Dec 13, 2025
Full time
We are seeking a highly skilled Senior Credit Underwriter to join our team in London, United Kingdom. In this critical role, you will be responsible for evaluating and analysing complex credit applications, assessing risk, and making informed lending decisions to support our organization's growth while maintaining a strong risk management framework. Conduct forensic analysis of credit applications, with detailed assessment of financial performance, cashflows, forecasts and key risk drivers. Challenge and shape deal structures - including leverage, covenants, security and repayment profiles - ensuring proposals align with risk appetite. Benchmark commercial terms against prevailing market conditions and provide balanced, evidence-based challenge. Prepare clear, confident credit recommendations and present cases at Credit Committee. Provide early-stage guidance to Deal Teams to influence structure, pricing and risk positioning ahead of formal underwriting. Monitor in-life exposures to identify emerging risks or refinancing opportunities. Collaborate effectively across the business to support strong customer outcomes and portfolio discipline. Mentor and support junior underwriters, contributing to the continuous improvement of underwriting standards and processes. The Person Significant experience underwriting mid-market or corporate lending transactions. Advanced financial analysis skills and the ability to undertake forensic-level assessment where required. Strong credit judgement and the confidence to articulate risk and structuring rationale. Awareness of relevant regulatory expectations (e.g., IFRS9) and how they inform credit decisions. A commercial mindset with the ability to balance opportunity and disciplined risk management. The Opportunity Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders. We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers. The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person. Work with us because you: Want to be part of a bank built for the dynamics of the modern world Relish a challenge and enjoy a fast-paced, innovative and hardworking culture Enjoy finding new and better ways to solve complexity and make things happen Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups Care about society and the environment and want to be part of a business that cares too Want to continue to grow professionally and be the best version of yourself 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
Job Title: Senior Underwriter - Financial Lines Reinsurance Location: London Position type: Full time, permanent About The Job Our underwriters are at the heart of everything we do, without them our business wouldn't function. The role holder will be a member of the Specialty Reinsurance team and will be accountable for contributing to the effective delivery of the vision and the strategy for the Financial Lines Reinsurance portfolio.The role holder will be responsible for taking underwriting business in accordance with the Specialty Reinsurance business plan. About the Job: While there is rarely a 'typical' day as an Underwriter, here's a snapshot of some of the key parts of the job: Strategy Develop the existing Financial Lines reinsurance book and look for growth and improvement opportunities. The key lines covered are Trade Credit, Surety, Mortgage and Political risk. Opportunity to work on other product lines within the wider Specialty team Support the strategic direction of the portfolio and delivery of designated elements of the strategy and business plan. Demonstrate good client intimacy behaviours throughout the market. Contribute to the effective delivery of the business plan(s), ensuring alignment to strategy, client relationship and profitable growth. Work in partnership within the entity and other entities across the regions to leverage relationships and opportunities. Where appropriate participate in and contribute to client segmentation and product forum activities to ensure clarity and clear understanding of the approach to specific clients and markets. Underwriting Generate and manage business on a client relationship basis within agreed risk appetite. Understand and contribute to execution of the business plan Ensure client relationship is achieved through the efficient oversight of issues raised including liaison to ensure effective conclusion to complaints and claims. Undertake analysis of the location / market to identify new business opportunities, products and clients, ensuring a robust business case. Ensure risks are written within the agreed parameters - making sound long term decisions on risks that are written, with a focus on smart rationale underwriting. Underwriting Management Provide effective oversight and input into the underwriting performance. Reporting on an ad hoc basis regarding pipelines, new opportunities, and progress towards strategic goals. Liaise with and ensure regional compliance with underwriting management, taking corrective action as necessary and operating within agreed authorities Proactively participate in product forum meetings, as appropriate - challenging and responding to challenges regarding the Product performance. Compliance and Risk Management Conduct role in accordance with the Company's Business Ethics policy and all regulated entities as appropriate. Manage the location/market so that is complies with relevant risk, regulatory and legal requirements and so that it complies with Group policies. You're going to enjoy this job if you also Have good business and commercial market awareness, specifically of Financial Lines business. Strong networking & managing both new and existing client relationships. Implementing and delivering on a clear underwriting strategy. Key skills in undertaking analysis of market and identifying new business opportunities, products and clients. Enjoy the challenge of shaping a sustainable Financial Lines reinsurance portfolio for MS Amlin. What you'll need: Consideration will be given to Underwriters at differing levels but must have in depth knowledge, expertise, relationships and strong experience of the Financial Lines Reinsurance markets. Good understanding of relevant risk, regulatory and legal requirements. Relevant qualifications (e.g., ACII, or similar) preferred. What y ou can expect from us: A competitive salary and benefits package is a given, but you can also expect: A great team and supportive colleagues Hybrid Working environment Flexible Working A strong focus on diversity, inclusion and equal opportunities A programme of wellbeing and mental health support Employer-supported volunteering (ESV) Continuous learning and study support Structured career development An open mind (especially to new ideas and ways of doing things) We are stronger together because of our common interests and rich differences. You may be the strength we didn't know we needed. Believe in yourself, and click apply today! As well as a competitive base salary and performance related discretionary bonus, here is a link to our employee benefits - Hybrid Working At MS Amlin we operate a hybrid working model to empower our people with flexibility to blend where they work. We value collaboration and believe that we work better together, our teams typically do 3 days a week in the office. About MS Amlin MS Amlin is a leading (re)insurer and part of the global MS&AD Group, with operations across Lloyd's of London, the Middle East, and Asia Pacific. With over 120 years of experience, we support businesses facing complex and demanding risks, providing continuity in an uncertain world. Our expertise covers Property, Casualty, Marine, Crisis Management, Natural Resources and Reinsurance, backed by strong underwriting capabilities and deep sector knowledge. At the core of our claims service is TRUST - Transparency, Responsiveness, Understanding, Solution-driven thinking, and Technical expertise. This defines how we manage claims and build lasting relationships. DE&I at MS Amlin We will build a workplace where all talent is welcomed, and everyone has the opportunity to influence how the business works. We have dedicated employee resource groups that support our Diversity, Equity, and Inclusion (DE&I) goals.MS Amlin is proud to be one of the founding partners of Lloyd's Inclusive Futures programme which aims to get more Black and ethnically diverse people into the insurance industry - supporting them all the way from the classroom to the boardroom. Visit this link () to find out more about the programme and its aims and achievements so far. Amlin is a leading (re)insurer and part of the global MS&AD Group, with operations across Lloyd's of London, the Middle East, and Asia Pacific.With over 120 years of experience, we support businesses facing complex and demanding risks, providing continuity in an uncertain world. Our expertise covers Property, Casualty, Marine, Crisis Management, Natural Resources and Reinsurance, backed by strong underwriting capabilities and deep sector knowledge.At the core of our claims service is TRUST - Transparency, Responsiveness, Understanding, Solution-driven thinking, and Technical expertise. This defines how we manage claims and build lasting relationships.
Dec 13, 2025
Full time
Job Title: Senior Underwriter - Financial Lines Reinsurance Location: London Position type: Full time, permanent About The Job Our underwriters are at the heart of everything we do, without them our business wouldn't function. The role holder will be a member of the Specialty Reinsurance team and will be accountable for contributing to the effective delivery of the vision and the strategy for the Financial Lines Reinsurance portfolio.The role holder will be responsible for taking underwriting business in accordance with the Specialty Reinsurance business plan. About the Job: While there is rarely a 'typical' day as an Underwriter, here's a snapshot of some of the key parts of the job: Strategy Develop the existing Financial Lines reinsurance book and look for growth and improvement opportunities. The key lines covered are Trade Credit, Surety, Mortgage and Political risk. Opportunity to work on other product lines within the wider Specialty team Support the strategic direction of the portfolio and delivery of designated elements of the strategy and business plan. Demonstrate good client intimacy behaviours throughout the market. Contribute to the effective delivery of the business plan(s), ensuring alignment to strategy, client relationship and profitable growth. Work in partnership within the entity and other entities across the regions to leverage relationships and opportunities. Where appropriate participate in and contribute to client segmentation and product forum activities to ensure clarity and clear understanding of the approach to specific clients and markets. Underwriting Generate and manage business on a client relationship basis within agreed risk appetite. Understand and contribute to execution of the business plan Ensure client relationship is achieved through the efficient oversight of issues raised including liaison to ensure effective conclusion to complaints and claims. Undertake analysis of the location / market to identify new business opportunities, products and clients, ensuring a robust business case. Ensure risks are written within the agreed parameters - making sound long term decisions on risks that are written, with a focus on smart rationale underwriting. Underwriting Management Provide effective oversight and input into the underwriting performance. Reporting on an ad hoc basis regarding pipelines, new opportunities, and progress towards strategic goals. Liaise with and ensure regional compliance with underwriting management, taking corrective action as necessary and operating within agreed authorities Proactively participate in product forum meetings, as appropriate - challenging and responding to challenges regarding the Product performance. Compliance and Risk Management Conduct role in accordance with the Company's Business Ethics policy and all regulated entities as appropriate. Manage the location/market so that is complies with relevant risk, regulatory and legal requirements and so that it complies with Group policies. You're going to enjoy this job if you also Have good business and commercial market awareness, specifically of Financial Lines business. Strong networking & managing both new and existing client relationships. Implementing and delivering on a clear underwriting strategy. Key skills in undertaking analysis of market and identifying new business opportunities, products and clients. Enjoy the challenge of shaping a sustainable Financial Lines reinsurance portfolio for MS Amlin. What you'll need: Consideration will be given to Underwriters at differing levels but must have in depth knowledge, expertise, relationships and strong experience of the Financial Lines Reinsurance markets. Good understanding of relevant risk, regulatory and legal requirements. Relevant qualifications (e.g., ACII, or similar) preferred. What y ou can expect from us: A competitive salary and benefits package is a given, but you can also expect: A great team and supportive colleagues Hybrid Working environment Flexible Working A strong focus on diversity, inclusion and equal opportunities A programme of wellbeing and mental health support Employer-supported volunteering (ESV) Continuous learning and study support Structured career development An open mind (especially to new ideas and ways of doing things) We are stronger together because of our common interests and rich differences. You may be the strength we didn't know we needed. Believe in yourself, and click apply today! As well as a competitive base salary and performance related discretionary bonus, here is a link to our employee benefits - Hybrid Working At MS Amlin we operate a hybrid working model to empower our people with flexibility to blend where they work. We value collaboration and believe that we work better together, our teams typically do 3 days a week in the office. About MS Amlin MS Amlin is a leading (re)insurer and part of the global MS&AD Group, with operations across Lloyd's of London, the Middle East, and Asia Pacific. With over 120 years of experience, we support businesses facing complex and demanding risks, providing continuity in an uncertain world. Our expertise covers Property, Casualty, Marine, Crisis Management, Natural Resources and Reinsurance, backed by strong underwriting capabilities and deep sector knowledge. At the core of our claims service is TRUST - Transparency, Responsiveness, Understanding, Solution-driven thinking, and Technical expertise. This defines how we manage claims and build lasting relationships. DE&I at MS Amlin We will build a workplace where all talent is welcomed, and everyone has the opportunity to influence how the business works. We have dedicated employee resource groups that support our Diversity, Equity, and Inclusion (DE&I) goals.MS Amlin is proud to be one of the founding partners of Lloyd's Inclusive Futures programme which aims to get more Black and ethnically diverse people into the insurance industry - supporting them all the way from the classroom to the boardroom. Visit this link () to find out more about the programme and its aims and achievements so far. Amlin is a leading (re)insurer and part of the global MS&AD Group, with operations across Lloyd's of London, the Middle East, and Asia Pacific.With over 120 years of experience, we support businesses facing complex and demanding risks, providing continuity in an uncertain world. Our expertise covers Property, Casualty, Marine, Crisis Management, Natural Resources and Reinsurance, backed by strong underwriting capabilities and deep sector knowledge.At the core of our claims service is TRUST - Transparency, Responsiveness, Understanding, Solution-driven thinking, and Technical expertise. This defines how we manage claims and build lasting relationships.
Mortgage Underwriter Watford (Office-Based, 5 Days a Week) Salary: Up to £50,000 basic + bonus Location: Watford, Hertfordshire (on-site only) Hours: Full-time, Monday to Friday Eligibility: Must be based in the UK with full right to work (no sponsorship available) Are you an experienced Mortgage Underwriter looking to join a supportive, growing team with fantastic benefits and real opportunities for
Dec 12, 2025
Full time
Mortgage Underwriter Watford (Office-Based, 5 Days a Week) Salary: Up to £50,000 basic + bonus Location: Watford, Hertfordshire (on-site only) Hours: Full-time, Monday to Friday Eligibility: Must be based in the UK with full right to work (no sponsorship available) Are you an experienced Mortgage Underwriter looking to join a supportive, growing team with fantastic benefits and real opportunities for
The Cowart Team Home Loans • Richmond , VA , US Posted a day ago Description Management of a Mortgage Branch is a must in order to be considered for this role. We're looking for a driven and resourceful Director of Mortgage Operations to lead business operations, optimize team performance, and execute the company vision. The ideal candidate will possess deep expertise in Mortgage Operations, demonstrated leadership skills, and a continuous improvement mindset focused on driving operational excellence and enhancing customer experience. Competitivebase salaryplusper-loan bonuses(for 5-10 loans monthly) Quarterly performance bonusestied to metrics and branch success Responsibilities Oversee day-to-day operations of the mortgage branch, ensuring efficiency, accuracy, and compliance. Partner with the Branch Leaders to drive production goals and operational improvements. Maintain high-quality standards for loan files, disclosures, timelines, and customer experience. Maintain operational policies, workflows, and best practices. Analyze performance metrics and provide regular reporting to leadership. Qualifications 3 years in mortgage operations (processor, underwriter, closer, or ops leader). Proven track record of managing teams in a high-volume environment. Exceptional problem solving skills and operational insight. Excellent communication, leadership, and organizational abilities. The ability to lead by example, resolve conflict, and create a cohesive team environment Can juggle multiple priorities without losing focus or momentum Compensation $80,000 - $100,000 About The Cowart Team Home Loans The Cowart Team Home Loans exists to create a better way to buy a home by listening, planning, solving, and winning together. Based in Richmond, VA, we're a local, full service mortgage team that believes in hands on guidance, proactive planning, and genuine care for clients and partners. We're a team of Caring Rebels, creative experts who actually care, always going against the grain to do what's right. We value curiosity, grit, gratitude, and teamwork, rowing with winners who love progress and excellence. If you're ready to lead with purpose and bring your operational expertise to a high performing, people first team, we'd love to hear from you!
Dec 11, 2025
Full time
The Cowart Team Home Loans • Richmond , VA , US Posted a day ago Description Management of a Mortgage Branch is a must in order to be considered for this role. We're looking for a driven and resourceful Director of Mortgage Operations to lead business operations, optimize team performance, and execute the company vision. The ideal candidate will possess deep expertise in Mortgage Operations, demonstrated leadership skills, and a continuous improvement mindset focused on driving operational excellence and enhancing customer experience. Competitivebase salaryplusper-loan bonuses(for 5-10 loans monthly) Quarterly performance bonusestied to metrics and branch success Responsibilities Oversee day-to-day operations of the mortgage branch, ensuring efficiency, accuracy, and compliance. Partner with the Branch Leaders to drive production goals and operational improvements. Maintain high-quality standards for loan files, disclosures, timelines, and customer experience. Maintain operational policies, workflows, and best practices. Analyze performance metrics and provide regular reporting to leadership. Qualifications 3 years in mortgage operations (processor, underwriter, closer, or ops leader). Proven track record of managing teams in a high-volume environment. Exceptional problem solving skills and operational insight. Excellent communication, leadership, and organizational abilities. The ability to lead by example, resolve conflict, and create a cohesive team environment Can juggle multiple priorities without losing focus or momentum Compensation $80,000 - $100,000 About The Cowart Team Home Loans The Cowart Team Home Loans exists to create a better way to buy a home by listening, planning, solving, and winning together. Based in Richmond, VA, we're a local, full service mortgage team that believes in hands on guidance, proactive planning, and genuine care for clients and partners. We're a team of Caring Rebels, creative experts who actually care, always going against the grain to do what's right. We value curiosity, grit, gratitude, and teamwork, rowing with winners who love progress and excellence. If you're ready to lead with purpose and bring your operational expertise to a high performing, people first team, we'd love to hear from you!
We are seeking a Senior Credit Underwriter specializing in Real Estate and Development Finance to join our team in London. In this critical role, you will be responsible for evaluating and analysing complex real estate and development finance transactions, assessing credit risk, and making informed lending decisions. Conduct comprehensive financial analysis of real estate and development projects to determine creditworthiness and risk levels Evaluate loan applications, financial models, valuations, monitoring surveyor reports, and other relevant documentation to assess borrower's ability to repay Perform detailed property and market analysis to determine asset values and potential risks Structure loan terms and conditions based on risk assessment and organizational guidelines Collaborate with internal teams, including relationship managers and legal counsel, to ensure thorough due diligence Operate a delegated lending authority, opining on credit proposals for final decision Prepare and present concise credit recommendations to senior management and credit committees Monitor existing loan portfolios and conduct periodic reviews to identify potential issues Stay current with market trends, regulatory changes, and best practices in real estate finance and credit underwriting The Person Bachelor's degree in Finance, Economics, or a related field; MBA or relevant master's degree preferred Experience in credit underwriting, with a focus on real estate and development finance Advanced skills in financial analysis, risk assessment, and credit modelling Proficiency in real estate valuation techniques and loan structuring In-depth knowledge of real estate markets and development finance Strong understanding of regulatory requirements in lending and real estate finance Excellent analytical and decision-making skills with keen attention to detail Experience with commercial real estate loans and development projects Professional certifications such as CFA or FRM are a plus Exceptional written and verbal communication skills Ability to work effectively under pressure and meet tight deadlines The Opportunity Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders. We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers. The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person. Work with us because you: Want to be part of a bank built for the dynamics of the modern world Relish a challenge and enjoy a fast-paced, innovative and hardworking culture Enjoy finding new and better ways to solve complexity and make things happen Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups Care about society and the environment and want to be part of a business that cares too Want to continue to grow professionally and be the best version of yourself 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
Dec 11, 2025
Full time
We are seeking a Senior Credit Underwriter specializing in Real Estate and Development Finance to join our team in London. In this critical role, you will be responsible for evaluating and analysing complex real estate and development finance transactions, assessing credit risk, and making informed lending decisions. Conduct comprehensive financial analysis of real estate and development projects to determine creditworthiness and risk levels Evaluate loan applications, financial models, valuations, monitoring surveyor reports, and other relevant documentation to assess borrower's ability to repay Perform detailed property and market analysis to determine asset values and potential risks Structure loan terms and conditions based on risk assessment and organizational guidelines Collaborate with internal teams, including relationship managers and legal counsel, to ensure thorough due diligence Operate a delegated lending authority, opining on credit proposals for final decision Prepare and present concise credit recommendations to senior management and credit committees Monitor existing loan portfolios and conduct periodic reviews to identify potential issues Stay current with market trends, regulatory changes, and best practices in real estate finance and credit underwriting The Person Bachelor's degree in Finance, Economics, or a related field; MBA or relevant master's degree preferred Experience in credit underwriting, with a focus on real estate and development finance Advanced skills in financial analysis, risk assessment, and credit modelling Proficiency in real estate valuation techniques and loan structuring In-depth knowledge of real estate markets and development finance Strong understanding of regulatory requirements in lending and real estate finance Excellent analytical and decision-making skills with keen attention to detail Experience with commercial real estate loans and development projects Professional certifications such as CFA or FRM are a plus Exceptional written and verbal communication skills Ability to work effectively under pressure and meet tight deadlines The Opportunity Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders. We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers. The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person. Work with us because you: Want to be part of a bank built for the dynamics of the modern world Relish a challenge and enjoy a fast-paced, innovative and hardworking culture Enjoy finding new and better ways to solve complexity and make things happen Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups Care about society and the environment and want to be part of a business that cares too Want to continue to grow professionally and be the best version of yourself 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
This role reports to the Mortgage Underwriting Manager. The Senior Mortgage Underwriter will be responsible for assessing complex residential mortgage applications, including manual underwriting, affordability analysis and risk-based decision making. Working closely with lending and risk teams, they will help shape the future of our underwriting approach. Key Responsibilities Assess mortgage applications in line with lending policy and regulatory standards (MCOB) Perform detailed affordability assessments, including non-standard income and complex applicant profiles Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring Provide technical guidance to junior underwriters and administrative assistants Contribute towards underwriting policy reviews and process improvements Liaise with intermediaries and internal stakeholders to progress applications efficiently This list is not exhaustive and the post holder is expected to carry out any other tasks that are required to fulfil the needs of the role. Management may add or subtract from the list of duties in order to meet the need of the business as they see fit and as per the terms and conditions of contract. Measures of Success Risk management and policy adherence Quality of underwriting decisions validated by Quality assurance Meeting agreed SLA Service Level Agreements Collaboration and influence, supporting great outcomes for staff and our broker introducers Continuous improvement, using experience to shape our underwriting processes, procedures and technology solutions About You Skills & Capabilities for the role Qualifications: Advantageous but not required depending on experience CeMAP AdvCeMAP CICM Experience required: Significant mortgage underwriting experience (Minimum 5+ years) Comfortable with complex/self employed income, LTV risk and layered affordability Able to use advanced origination software such as Finova's MSO platform In depth knowledge of the UK mortgage market and FCA regulatory expectations Excellent decision making, analytical and communication skills Collaborative and calm under pressure with pragmatic approach to risk Behaviours: Professional and ethical Strong interpersonal relationships Able to work with minimum supervision and to deadlines Willing to take on responsibility and accountability Ability to consider the needs, abilities and personalities of others Willing to work as part of a team and involve others Positive approach Essential skills: Environmental awareness - Has a good understanding of the broker environment in which the Society operates and of underwriting best practice and key developments. Has a good awareness of the likely impact of economic, political, social and regulatory change on the Society's business and overall aims. Proven analytical skills - Able to use analytical tools interpreting customer credit files, supporting documents with an ability to understand complex lending scenarios Decision making skills - Ability to source, collate and process all pertinent information to support final loan approval. Self/work organisation - Plans, co-ordinates and controls the work and resources under their control. Maintains an awareness of team workloads not directly under their control and demonstrates flexibility in making most effective use of resources to achieve overall business objectives. Organisational awareness - Has a very good understanding of the Society's overall aims, structures, policies and culture, together with a good knowledge of the policies, operations, systems and relevant strategies pertaining to specific areas of the business. Procedural/Specialist Knowledge - A very good knowledge of the relevant procedures and policies in Mortgage Underwriting, including interpretation and application of best practices, and able to use experience to act decisively. This list is not exhaustive, management reserve the right to amend the requirements as they see fit to ensure the post holder's ability to fulfil the needs of the role. PLEASE DO NOT APPLY FOR THIS ROLE UNLESS YOU HAVE RECENT DEMONSTRABLE AND RELEVANT EXPERIENCE. Please visit our website and click 'Privacy Policy' at the bottom of the page for further information on how we process your information, and your rights under GDPR.
Dec 10, 2025
Full time
This role reports to the Mortgage Underwriting Manager. The Senior Mortgage Underwriter will be responsible for assessing complex residential mortgage applications, including manual underwriting, affordability analysis and risk-based decision making. Working closely with lending and risk teams, they will help shape the future of our underwriting approach. Key Responsibilities Assess mortgage applications in line with lending policy and regulatory standards (MCOB) Perform detailed affordability assessments, including non-standard income and complex applicant profiles Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring Provide technical guidance to junior underwriters and administrative assistants Contribute towards underwriting policy reviews and process improvements Liaise with intermediaries and internal stakeholders to progress applications efficiently This list is not exhaustive and the post holder is expected to carry out any other tasks that are required to fulfil the needs of the role. Management may add or subtract from the list of duties in order to meet the need of the business as they see fit and as per the terms and conditions of contract. Measures of Success Risk management and policy adherence Quality of underwriting decisions validated by Quality assurance Meeting agreed SLA Service Level Agreements Collaboration and influence, supporting great outcomes for staff and our broker introducers Continuous improvement, using experience to shape our underwriting processes, procedures and technology solutions About You Skills & Capabilities for the role Qualifications: Advantageous but not required depending on experience CeMAP AdvCeMAP CICM Experience required: Significant mortgage underwriting experience (Minimum 5+ years) Comfortable with complex/self employed income, LTV risk and layered affordability Able to use advanced origination software such as Finova's MSO platform In depth knowledge of the UK mortgage market and FCA regulatory expectations Excellent decision making, analytical and communication skills Collaborative and calm under pressure with pragmatic approach to risk Behaviours: Professional and ethical Strong interpersonal relationships Able to work with minimum supervision and to deadlines Willing to take on responsibility and accountability Ability to consider the needs, abilities and personalities of others Willing to work as part of a team and involve others Positive approach Essential skills: Environmental awareness - Has a good understanding of the broker environment in which the Society operates and of underwriting best practice and key developments. Has a good awareness of the likely impact of economic, political, social and regulatory change on the Society's business and overall aims. Proven analytical skills - Able to use analytical tools interpreting customer credit files, supporting documents with an ability to understand complex lending scenarios Decision making skills - Ability to source, collate and process all pertinent information to support final loan approval. Self/work organisation - Plans, co-ordinates and controls the work and resources under their control. Maintains an awareness of team workloads not directly under their control and demonstrates flexibility in making most effective use of resources to achieve overall business objectives. Organisational awareness - Has a very good understanding of the Society's overall aims, structures, policies and culture, together with a good knowledge of the policies, operations, systems and relevant strategies pertaining to specific areas of the business. Procedural/Specialist Knowledge - A very good knowledge of the relevant procedures and policies in Mortgage Underwriting, including interpretation and application of best practices, and able to use experience to act decisively. This list is not exhaustive, management reserve the right to amend the requirements as they see fit to ensure the post holder's ability to fulfil the needs of the role. PLEASE DO NOT APPLY FOR THIS ROLE UNLESS YOU HAVE RECENT DEMONSTRABLE AND RELEVANT EXPERIENCE. Please visit our website and click 'Privacy Policy' at the bottom of the page for further information on how we process your information, and your rights under GDPR.
Job Title: Quality Assurance Officer Location: London Hybrid 3 days a week in the office Salary: Up to £60,000 Hours: Monday - Friday 9 am - 6 pm Benefits: 25 Days Holiday Pension scheme Private healthcare Discretionary Bonus Other flexible benefits About the role of Quality Assurance Officer: The role is responsible for delivering comprehensive Quality Assurance across the Buy-to-Let and Bridging Lending teams, ensuring consistent adherence to regulatory and internal standards. It involves carrying out Quality Assurance reviews in line with the Compliance Monitoring Plan, identifying risks, trends, and opportunities for improvement. The position also maintains and enhances Quality Assurance policies and procedures while providing day-to-day support to the Senior Compliance Officer in the effective delivery of assurance activities. Responsibilities required for the role of Quality Assurance Officer: Operates an independent quality assurance role Customer outcomes, lending and servicing file reviews - CBTL cases, fees on customer accounts, lending file reviews, customer due diligence and customer risk assessments Call Listening - pre-completion calls and servicing calls All third-party due diligence activities - broker registrations, solicitors panel and other third parties Performs ongoing oversight of quality assurance activities performed by outsourced third parties Assesses first line of defence activities, checking data quality on loans to appropriate lending mandates/underwriters Utilises management information to highlight business areas for quality work Undertakes ad hoc quality assurance activities, case/account investigations Highlights business strengths and weaknesses, including any areas of customer detriment and recommends corrective actions Supports the Senior Compliance Officer in day-to-day assurance activities such as customer due diligence and customer risk assessments, and complaints administration. Produces a monthly report of quality assurance activity and outcomes for inclusion in the Compliance report for the Risk Committee Experience required for the role of Quality Assurance Officer: Minimum 1 years' experience in a similar compliance role at a mortgage lender Working knowledge of PRA & FCA regulation of the mortgage industry, including CBTL Strong attention to detail and analytical skills Preferred: Awareness of BTL & Bridging mortgage application processing requirements Knowledgeable on key AML requirements for mortgage lenders For more information regarding the role of Quality Assurance Officer 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.
Dec 10, 2025
Full time
Job Title: Quality Assurance Officer Location: London Hybrid 3 days a week in the office Salary: Up to £60,000 Hours: Monday - Friday 9 am - 6 pm Benefits: 25 Days Holiday Pension scheme Private healthcare Discretionary Bonus Other flexible benefits About the role of Quality Assurance Officer: The role is responsible for delivering comprehensive Quality Assurance across the Buy-to-Let and Bridging Lending teams, ensuring consistent adherence to regulatory and internal standards. It involves carrying out Quality Assurance reviews in line with the Compliance Monitoring Plan, identifying risks, trends, and opportunities for improvement. The position also maintains and enhances Quality Assurance policies and procedures while providing day-to-day support to the Senior Compliance Officer in the effective delivery of assurance activities. Responsibilities required for the role of Quality Assurance Officer: Operates an independent quality assurance role Customer outcomes, lending and servicing file reviews - CBTL cases, fees on customer accounts, lending file reviews, customer due diligence and customer risk assessments Call Listening - pre-completion calls and servicing calls All third-party due diligence activities - broker registrations, solicitors panel and other third parties Performs ongoing oversight of quality assurance activities performed by outsourced third parties Assesses first line of defence activities, checking data quality on loans to appropriate lending mandates/underwriters Utilises management information to highlight business areas for quality work Undertakes ad hoc quality assurance activities, case/account investigations Highlights business strengths and weaknesses, including any areas of customer detriment and recommends corrective actions Supports the Senior Compliance Officer in day-to-day assurance activities such as customer due diligence and customer risk assessments, and complaints administration. Produces a monthly report of quality assurance activity and outcomes for inclusion in the Compliance report for the Risk Committee Experience required for the role of Quality Assurance Officer: Minimum 1 years' experience in a similar compliance role at a mortgage lender Working knowledge of PRA & FCA regulation of the mortgage industry, including CBTL Strong attention to detail and analytical skills Preferred: Awareness of BTL & Bridging mortgage application processing requirements Knowledgeable on key AML requirements for mortgage lenders For more information regarding the role of Quality Assurance Officer 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.
Blackstone and Sixth Street Agree Sale of Kensington Mortgages to Barclays Bank UK PLC London, 24 June 2022 - Kensington Mortgages ("Kensington"), the fast-growing specialist mortgage lender, has today announced a sale to Barclays Bank UK PLC ("Barclays"). The sale follows an auction process that attracted interest from a broad range of bidders. Barclays is acquiring the business from funds affiliated with Blackstone Tactical Opportunities ("Blackstone") and Sixth Street, which have jointly owned the business since 2015 during which time Kensington enjoyed an extended period of accelerated growth. The transaction is subject to regulatory approval. Barclays is acquiring Kensington Mortgage Company Limited ("KMC"), Kensington Mortgage Services Limited ("KMS") and a portfolio of UK mortgages consisting primarily of mortgages originated by KMC from October 2021 to completion of the acquisition of KMC and KMS (the "KMC Mortgage Portfolio"). The acquisition will allow Barclays to become one of the few major banks with a specialist mortgage offering. Kensington is a leading UK specialist residential mortgage lender focused on providing mortgages via brokers to borrowers with complex incomes. Using a combination of proprietary technology, data analytics and human insight to design products and make lending decisions, Kensington focuses on the self-employed and those with multiple or variable incomes - segments that major banks often do not serve. The business, which is based in Maidenhead and has around 600 employees, services approximately £8.7 billion of third party and related party mortgages in addition to the KMC Mortgage Portfolio. Kensington originated approximately £1.9 billion of mortgages in the year ended 31 March 2022. Under the joint ownership of Blackstone and Sixth Street, Kensington has improved its processes and expanded its product offerings to become a market leader in specialist lending to the self-employed, first-time buyers, older borrowers and customers with multiple sources of income. The business is also recognised in the industry for having a market-leading data and technology platform, which has facilitated profitable growth, product innovation and exceptional loan underwriting performance. The business has grown its originations at a compound annual growth rate of 22% since the acquisition in 2015. Mark Arnold, CEO of Kensington Mortgages, commented: "This sale marks the start of an exciting new chapter of growth for Kensington. We have a strong track-record in the specialist mortgage space, using our proprietary data and tech platform to innovate and grow, and now is a natural point to bring in a partner who can help us to drive our next expansion phase. As a major UK bank with a broad reach and offering, Barclays is well-placed to support this expansion, whilst the sale will allow it to differentiate itself as a 'mainstream specialist' and offer a range of mortgage solutions not available from competitors." Matt Hammerstein, CEO of Barclays Bank UK PLC, commented: "The transaction reinforces our commitment to the UK residential mortgage market and presents an exciting opportunity to broaden our product range and capabilities. KMC is a best-in-class specialist mortgage lender with an established track record in the UK market, strong broker and customer relationships and data analytics capabilities. KMC complements our existing UK mortgage business and broker relationships through the addition of a specialist prime mortgage originator and the utilisation of our strong UK funding base. We look forward to KMC management and employees becoming part of the Barclays group." Qasim Abbas, Senior Managing Director, Blackstone Tactical Opportunities, said: "Kensington's success in becoming one of the UK's leading specialist mortgage lenders is testament to the quality of its products, the resilience of its business model and the excellence of its management team. In particular, their collective strength in harnessing the power of data science and analytics, prudent risk management and always providing their customers with the right product to suit their individual needs has been key to the evolution of their business. We wish them the very best as they enter an exciting new chapter." Michael Muscolino, Partner at Sixth Street, said: "We want to thank management and the entire Kensington team for their dedication and collaboration over the past decade in building the platform into a market leader. Our focus on using data to drive consistent innovation allowed us to create new products and broaden mortgage access while maintaining exceptional underwriting standards. We wish the company great continued success with its new partners at Barclays." About Kensington Mortgages Kensington Mortgages was founded in 1995. The business was acquired by Blackstone and Sixth Street Partners in 2015, initiating a period of considerable growth and investment. The mortgage servicing business Acenden was also acquired by the same investors and merged with Kensington, creating a broader UK mortgage business. Since the acquisition, Kensington has more than tripled the number of underwriters it employs and almost quadrupled its origination volumes. Kensington lent £1.9bn in new mortgages for the year ended 31st March 2022. A clear period of growth was initiated with the arrival of Mark Arnold as CEO in April 2018. Under the guidance of the leadership team, Kensington consolidated a number of disparate legacy brands under a revitalised Kensington identity, launched a best-in-class, data and analytics driven and highly scalable integrated technology platform, sharpened its market positioning and launched a range of new and innovative products. These include mortgages for public sector workers, products that reward borrowers for improving the environmental credentials of their home and a new fixed for term mortgage where monthly payments remain fixed for the entire term of the loan. The business is now clearly established as a leading specialist mortgage lender, with a strong market position as a lender to the self-employed, younger borrowers, older borrowers and those with more complex personal circumstances. The brand has a 4.4-star consumer rating on Trustpilot. The business has very strong credit controls. Only 19 loans issued by Kensington Mortgages since 2010 have gone into default, with the total cumulative losses on those loans amounting to just £252,000. About Barclays Group Barclays PLC is a British universal bank. It is diversified by business, by different types of customer and client, and geography. Its businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by its service company which provides technology, operations and functional services across the Group. For further information about Barclays, please visit its website home.barclays . About Blackstone Blackstone is the world's largest alternative asset manager. We seek to create positive economic impact and long-term value for our investors, the companies we invest in, and the communities in which we work. We do this by using extraordinary people and flexible capital to help companies solve problems. Our $915 billion in assets under management include investment vehicles focused onprivate equity, real estate, public debt and equity, infrastructure, life sciences, growth equity, opportunistic, non-investment grade credit, real assets and secondary funds, all on a global basis.Further information is available at . onLinkedIn ,Twitter , andInstagram . About Sixth Street Sixth Street is a global investment firm with over $60 billion in assets under management and committed capital. The firm uses its long-term flexible capital, data-enabled capabilities, and One Team culture to develop themes and offer solutions to companies across all stages of growth. Sixth Street's London-based presence was formed in 2011 to invest in businesses and assets across Europe. Founded in 2009, Sixth Street has more than 400 team members including over 180 investment professionals around the world. For more information, visit or follow Sixth Street on LinkedIn . Notes to Editors For Kensington Mortgages: Jess Gill (0) (0) For Barclays: Oliver Palca (0) For Blackstone: (0) Louis Clark (0) For Sixth Street: Patrick Clifford +1 Gavin Davis (0)
Dec 10, 2025
Full time
Blackstone and Sixth Street Agree Sale of Kensington Mortgages to Barclays Bank UK PLC London, 24 June 2022 - Kensington Mortgages ("Kensington"), the fast-growing specialist mortgage lender, has today announced a sale to Barclays Bank UK PLC ("Barclays"). The sale follows an auction process that attracted interest from a broad range of bidders. Barclays is acquiring the business from funds affiliated with Blackstone Tactical Opportunities ("Blackstone") and Sixth Street, which have jointly owned the business since 2015 during which time Kensington enjoyed an extended period of accelerated growth. The transaction is subject to regulatory approval. Barclays is acquiring Kensington Mortgage Company Limited ("KMC"), Kensington Mortgage Services Limited ("KMS") and a portfolio of UK mortgages consisting primarily of mortgages originated by KMC from October 2021 to completion of the acquisition of KMC and KMS (the "KMC Mortgage Portfolio"). The acquisition will allow Barclays to become one of the few major banks with a specialist mortgage offering. Kensington is a leading UK specialist residential mortgage lender focused on providing mortgages via brokers to borrowers with complex incomes. Using a combination of proprietary technology, data analytics and human insight to design products and make lending decisions, Kensington focuses on the self-employed and those with multiple or variable incomes - segments that major banks often do not serve. The business, which is based in Maidenhead and has around 600 employees, services approximately £8.7 billion of third party and related party mortgages in addition to the KMC Mortgage Portfolio. Kensington originated approximately £1.9 billion of mortgages in the year ended 31 March 2022. Under the joint ownership of Blackstone and Sixth Street, Kensington has improved its processes and expanded its product offerings to become a market leader in specialist lending to the self-employed, first-time buyers, older borrowers and customers with multiple sources of income. The business is also recognised in the industry for having a market-leading data and technology platform, which has facilitated profitable growth, product innovation and exceptional loan underwriting performance. The business has grown its originations at a compound annual growth rate of 22% since the acquisition in 2015. Mark Arnold, CEO of Kensington Mortgages, commented: "This sale marks the start of an exciting new chapter of growth for Kensington. We have a strong track-record in the specialist mortgage space, using our proprietary data and tech platform to innovate and grow, and now is a natural point to bring in a partner who can help us to drive our next expansion phase. As a major UK bank with a broad reach and offering, Barclays is well-placed to support this expansion, whilst the sale will allow it to differentiate itself as a 'mainstream specialist' and offer a range of mortgage solutions not available from competitors." Matt Hammerstein, CEO of Barclays Bank UK PLC, commented: "The transaction reinforces our commitment to the UK residential mortgage market and presents an exciting opportunity to broaden our product range and capabilities. KMC is a best-in-class specialist mortgage lender with an established track record in the UK market, strong broker and customer relationships and data analytics capabilities. KMC complements our existing UK mortgage business and broker relationships through the addition of a specialist prime mortgage originator and the utilisation of our strong UK funding base. We look forward to KMC management and employees becoming part of the Barclays group." Qasim Abbas, Senior Managing Director, Blackstone Tactical Opportunities, said: "Kensington's success in becoming one of the UK's leading specialist mortgage lenders is testament to the quality of its products, the resilience of its business model and the excellence of its management team. In particular, their collective strength in harnessing the power of data science and analytics, prudent risk management and always providing their customers with the right product to suit their individual needs has been key to the evolution of their business. We wish them the very best as they enter an exciting new chapter." Michael Muscolino, Partner at Sixth Street, said: "We want to thank management and the entire Kensington team for their dedication and collaboration over the past decade in building the platform into a market leader. Our focus on using data to drive consistent innovation allowed us to create new products and broaden mortgage access while maintaining exceptional underwriting standards. We wish the company great continued success with its new partners at Barclays." About Kensington Mortgages Kensington Mortgages was founded in 1995. The business was acquired by Blackstone and Sixth Street Partners in 2015, initiating a period of considerable growth and investment. The mortgage servicing business Acenden was also acquired by the same investors and merged with Kensington, creating a broader UK mortgage business. Since the acquisition, Kensington has more than tripled the number of underwriters it employs and almost quadrupled its origination volumes. Kensington lent £1.9bn in new mortgages for the year ended 31st March 2022. A clear period of growth was initiated with the arrival of Mark Arnold as CEO in April 2018. Under the guidance of the leadership team, Kensington consolidated a number of disparate legacy brands under a revitalised Kensington identity, launched a best-in-class, data and analytics driven and highly scalable integrated technology platform, sharpened its market positioning and launched a range of new and innovative products. These include mortgages for public sector workers, products that reward borrowers for improving the environmental credentials of their home and a new fixed for term mortgage where monthly payments remain fixed for the entire term of the loan. The business is now clearly established as a leading specialist mortgage lender, with a strong market position as a lender to the self-employed, younger borrowers, older borrowers and those with more complex personal circumstances. The brand has a 4.4-star consumer rating on Trustpilot. The business has very strong credit controls. Only 19 loans issued by Kensington Mortgages since 2010 have gone into default, with the total cumulative losses on those loans amounting to just £252,000. About Barclays Group Barclays PLC is a British universal bank. It is diversified by business, by different types of customer and client, and geography. Its businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by its service company which provides technology, operations and functional services across the Group. For further information about Barclays, please visit its website home.barclays . About Blackstone Blackstone is the world's largest alternative asset manager. We seek to create positive economic impact and long-term value for our investors, the companies we invest in, and the communities in which we work. We do this by using extraordinary people and flexible capital to help companies solve problems. Our $915 billion in assets under management include investment vehicles focused onprivate equity, real estate, public debt and equity, infrastructure, life sciences, growth equity, opportunistic, non-investment grade credit, real assets and secondary funds, all on a global basis.Further information is available at . onLinkedIn ,Twitter , andInstagram . About Sixth Street Sixth Street is a global investment firm with over $60 billion in assets under management and committed capital. The firm uses its long-term flexible capital, data-enabled capabilities, and One Team culture to develop themes and offer solutions to companies across all stages of growth. Sixth Street's London-based presence was formed in 2011 to invest in businesses and assets across Europe. Founded in 2009, Sixth Street has more than 400 team members including over 180 investment professionals around the world. For more information, visit or follow Sixth Street on LinkedIn . Notes to Editors For Kensington Mortgages: Jess Gill (0) (0) For Barclays: Oliver Palca (0) For Blackstone: (0) Louis Clark (0) For Sixth Street: Patrick Clifford +1 Gavin Davis (0)
AHM Recruitment Ltd t/a DEFC Group
Watford, Hertfordshire
Mortgage Underwriter Watford (Office-Based, 5 Days a Week) Salary: Up to £50,000 basic + bonus Location: Watford, Hertfordshire (on-site only) Hours: Full-time, Monday to Friday Eligibility: Must be based in the UK with full right to work (no sponsorship available) Are you an experienced Mortgage Underwriter looking to join a supportive, growing team with fantastic benefits and real opportunities for click apply for full job details
Dec 08, 2025
Full time
Mortgage Underwriter Watford (Office-Based, 5 Days a Week) Salary: Up to £50,000 basic + bonus Location: Watford, Hertfordshire (on-site only) Hours: Full-time, Monday to Friday Eligibility: Must be based in the UK with full right to work (no sponsorship available) Are you an experienced Mortgage Underwriter looking to join a supportive, growing team with fantastic benefits and real opportunities for click apply for full job details
Role: Mortgage Underwriter Salary: £32,548 + Commission (£400-£1100 Per month) Location: Manchester Working Hours: Monday - Friday (3x 9-5 2x 11-7) CCP are pleased to be supporting a growing financial services provider based in Manchester City Centre with the hire of 4x Mortgage Underwriters. We are looking to speak with candidates who have at least 12 months of experience in assessing/ processing loan applications within a fast-paced, target-driven environment. If you have experience in Second charge lending or motor finance specifically, you would have the ideal experience for this role. This role includes includes underwriting second charge mortgage applications and autonomously making lending decisions based on the assessment of evidence and and individual circumstances. Along with keeping customer records up-to-date and customer informed - all work will need to be completed in-line with regulatory and company guidelines. If you are looking for the next step in your career and want to join a business that offers excellent career progression opportunities, a competitive commission structure and personal development (CeMAP qualifications) opportunities, then this is the role for you. This opportunity is being recruited for by CCP and is being managed by both Daniel Green and Dan Green. Apply today if you would like to be part of something exciting and enjoy working in a dynamic and agile environment. If you would like to know more about this exciting opportunity, please apply or email or . We will aim to respond to your application within 48 hours. About CCP CCP are experts in Customer Operations and CX recruitment. Our network is vast, and since 2010 we've built an incredible reputation for successfully collaborating with people and delivering great service. We focus on partnering with clients and immersing ourselves in their brand when they're searching for experienced, culturally aligned talent. We're proud to support hundreds of customer centric brands; many instantly recognisable, some lesser-known startups. In addition to searching for talent as a recruitment partner, we also help clients build their candidate attraction and employee retention strategies. JBRP1_UKTJ
Dec 05, 2025
Full time
Role: Mortgage Underwriter Salary: £32,548 + Commission (£400-£1100 Per month) Location: Manchester Working Hours: Monday - Friday (3x 9-5 2x 11-7) CCP are pleased to be supporting a growing financial services provider based in Manchester City Centre with the hire of 4x Mortgage Underwriters. We are looking to speak with candidates who have at least 12 months of experience in assessing/ processing loan applications within a fast-paced, target-driven environment. If you have experience in Second charge lending or motor finance specifically, you would have the ideal experience for this role. This role includes includes underwriting second charge mortgage applications and autonomously making lending decisions based on the assessment of evidence and and individual circumstances. Along with keeping customer records up-to-date and customer informed - all work will need to be completed in-line with regulatory and company guidelines. If you are looking for the next step in your career and want to join a business that offers excellent career progression opportunities, a competitive commission structure and personal development (CeMAP qualifications) opportunities, then this is the role for you. This opportunity is being recruited for by CCP and is being managed by both Daniel Green and Dan Green. Apply today if you would like to be part of something exciting and enjoy working in a dynamic and agile environment. If you would like to know more about this exciting opportunity, please apply or email or . We will aim to respond to your application within 48 hours. About CCP CCP are experts in Customer Operations and CX recruitment. Our network is vast, and since 2010 we've built an incredible reputation for successfully collaborating with people and delivering great service. We focus on partnering with clients and immersing ourselves in their brand when they're searching for experienced, culturally aligned talent. We're proud to support hundreds of customer centric brands; many instantly recognisable, some lesser-known startups. In addition to searching for talent as a recruitment partner, we also help clients build their candidate attraction and employee retention strategies. JBRP1_UKTJ
A leading financial institution in Edinburgh is seeking a Senior Mortgage Underwriter to assess complex residential mortgage applications. The ideal candidate has significant mortgage underwriting experience, knowledge of FCA regulations, and strong decision-making skills. This full-time role involves collaboration with lending teams and aims to improve the underwriting process. Competitive benefits are included.
Dec 05, 2025
Full time
A leading financial institution in Edinburgh is seeking a Senior Mortgage Underwriter to assess complex residential mortgage applications. The ideal candidate has significant mortgage underwriting experience, knowledge of FCA regulations, and strong decision-making skills. This full-time role involves collaboration with lending teams and aims to improve the underwriting process. Competitive benefits are included.
Role: Mortgage Underwriter Salary: £32,548 + Commission (£400-£1100 Per month) Location: Manchester Working Hours: Monday - Friday (3x 9-5 2x 11-7) CCP are pleased to be supporting a growing financial services provider based in Manchester City Centre with the hire of 4x Mortgage Underwriters click apply for full job details
Dec 05, 2025
Full time
Role: Mortgage Underwriter Salary: £32,548 + Commission (£400-£1100 Per month) Location: Manchester Working Hours: Monday - Friday (3x 9-5 2x 11-7) CCP are pleased to be supporting a growing financial services provider based in Manchester City Centre with the hire of 4x Mortgage Underwriters click apply for full job details
