Mortgage Underwriter

Location: Buckinghamshire

Job Title:

Mortgage Underwriter

Location:

Buckinghamshire Hybrid 3 days WFH

Salary:
Up to £45,000 depending on experience

Hours:

Monday to Friday 9 am to 5 pm

Benefits:

Bonus:
Up to 10% based on performance
Life Insurance:
Up to 4x salary
Private Medical:
Vitality cover for you & your family
Hybrid Working: 3 days from home, flexible options
Paid Time Off: 33 days, including holidays, enhanced parental leave, and emergency leave
Pension:
Competitive employer contributions
Wellbeing:
Mental & physical health support
Culture & Growth:
Inclusive, supportive team with training, career development, and clear progression paths

About the role of Mortgage Underwriter:

We're looking for experienced Mortgage Underwriters with a specialist lending background and strong manual underwriting experience, covering Buy-to-Let or Residential mortgages. This is a fast-paced, high-volume role in a business currently in a high-growth phase, offering superb opportunities for ambitious underwriters to progress their careers. You'll manage applications from start to finish, make independent lending decisions on complex cases, and work within a collaborative, results-driven team.

Responsibilities required for the role of Mortgage Underwriter:

Assess and underwrite Buy-to-Let and Residential mortgage applications from receipt to completion.
Make independent lending decisions in line with credit policies and regulatory requirements.
Review borrower creditworthiness, affordability, and risk factors, applying sound judgment.
Maintain accurate records and ensure high levels of compliance throughout the process.
Handle complex cases and post-offer queries efficiently.
Support and collaborate with underwriting peers and management to deliver excellent service.
Contribute to process improvement initiatives and operational efficiency.
Work within a fast-paced, high-volume environment, managing multiple cases effectively.

Experience required for the role of the Mortgage Underwriter:

Proven experience in specialist lending.
Strong manual underwriting experience in Residential and/or Buy-to-Let mortgages.
Ability to assess credit risk, make independent lending decisions, and manage complex cases.
Knowledge of regulatory requirements (AML, FCA) and strong attention to detail.
Confident working in a fast-paced, high-volume environment.

For more information regarding the role of Mortgage Underwriter, 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