Underwriter - Specialist Mortgages

Underwriter – Specialist Mortgages
📍 Location: Head Office, London
🕘 Hours: Monday to Friday, 9:00am–5:30pm
🔄 Working Pattern: Hybrid (50/50)
👤 Reports to: Head of Field Underwriting
🏦 Department: Specialist Mortgages – Underwriting Team

We’re looking for a commercially minded and detail‑driven Underwriter to join our Specialist Mortgages division. This new role supports the continued expansion of our Field Underwriting proposition by providing high‑quality underwriting from head office while working closely with our elite broker partners.

A key part of this opportunity is finding a candidate who is open to future progression into a Field Underwriter position
, managing and developing relationships with key accounts in a specific region as the field model expands.

You will underwrite cases across all Specialist Mortgages asset classes — including Buy‑to‑Let, HMOs, Short‑Term Lets, Semi‑Commercial, and Commercial — ensuring decisions are robust, risk‑aligned, and deliver an excellent broker and customer experience.

This is an exciting chance to help shape and elevate an evolving underwriting model, working directly with the Head of Field Underwriting to drive best‑in‑class service and operational excellence.

• Underwrite mortgage applications within delegated authority
• Analyse credit searches, bank statements, financials, portfolios & valuations
• Form well‑reasoned lending recommendations and elevate where required
• Balance commercial judgement with strong risk discipline

• Ensure appropriate customer due diligence and AML checks
• Maintain low arrears and operational losses through high‑quality decisions
• Adhere to lending policy, underwriting guidelines, and compliance requirements

• Build strong relationships with key brokers and introducers
• Communicate decisions and requirements with clarity and efficiency
• Work closely with Sales, Risk & Compliance, and Specialist Mortgage teams

• Manage a pipeline through to offer stage, maintaining service standards
• Provide timely and clear updates to brokers and internal colleagues
• Focus on fast, consistent, and reliable decision‑making

• Support colleagues across Underwriting and Specialist Mortgages
• Step up when needed to deliver an exceptional customer journey
• Contribute to shaping and improving the Field Underwriting model

• Head of Field Underwriting
• Specialist Mortgages Lending Teams
• Sales Team
• Risk & Compliance (2nd Line)
• Completions & Servicing Teams
• External brokers, conveyancers, valuers & borrowers

• Experienced underwriter across BTL, HMOs, Short‑Term Lets, Semi‑Commercial & Commercial
• Understanding of the mortgage intermediary market and underwriting legislation
• Field underwriting experience welcomed, but not essential
• Strong risk awareness and commercial judgement
• Excellent communication and relationship‑management skills
• Customer‑centric mindset with a flexible, solutions‑oriented approach
• Ability to adapt to new propositions, products, and markets
• Team‑oriented with a collaborative mindset

We are specifically seeking a candidate who is open to future progression into a Field Underwriter role
, supporting key strategic accounts within an allocated region as the model grows.

• Competitive remuneration
• Discretionary annual bonus
• Annual pay review
• Private Medical Insurance (Bupa)
• Mental health & wellbeing support via YuLife & Bupa
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Cycle to Work Scheme & Green Car Scheme
• Enhanced family leave policies
• Study support & professional memberships
• Hybrid working (50/50)
• YuLife Rewards – lifestyle & retail discounts
• Pension scheme – 8% employer contribution (non‑contributory)
• Interest‑free season ticket loan
• Annual volunteering day & Net Zero employer commitment

If you're ready to deepen your expertise in specialist mortgage underwriting — and explore a future progression path into Field Underwriting —
we’d love to hear from you
.