Mortgage Underwriter

Buy to Let Mortgage Underwriter

Kent

Responsibilities:

• Underwrite mortgage applications to a high standard
• Interpret CAIS/Credit data, financial statements, and supporting documents
• Assess income and complete case types, including Standard properties, Multi-unit (MUP) properties, HMO's, Expats, foreign nationals, Trading Limited companies, SPVs and Holiday lets
• Provide clear, well reasoned decisions, including referrals to senior mandate holders
• Manage and prioritise a personal pipeline, meeting service levels
• Collaborate with internal teams (Sales, Risk, Compliance, Pre-offer, Post Offer)
• Communicate professionally with brokers, valuers, and external stakeholders
• Contribute to continuous improvement, supporting training, sharing knowledge, and adapting to changes in the specialist lending market and regulatory environment

Essential Skills and Experience

• Strong Understanding of the Mortgage process and the wider Mortgage market.
• Must have a minimum 2 years' underwriting experience, ideally within Buy-to-Let Residential or Commercial experience also considered.
• Proven ability to assess complex cases with high attention to detail and sound judgement
• Excellent written and verbal communication skills.
• Strong analytical, planning and problem-solving skills
• Proficient in Microsoft Word, Excel and Outlook
• Ability to work effectively under pressure in a fast-paced environment
• Demonstrated ability to work to defined service standards and deadlines
• Strong teamwork, with a commitment to supporting colleagues and contributing to shared goals