Mortgage Underwriter

Are you an experienced Mortgage Underwriter looking for your next challenge? Our client, a specialist lender with a reputation for delivering flexible lending solutions, is seeking a Mortgage Underwriter to focus on near-prime first charge mortgage applications. This role offers the opportunity to work in a dynamic environment where your expertise will make a real impact.

This Mortgage Underwriter role offers a competitive salary between £40,000 - £45,000 per year, along with hybrid working options. You'll be part of a supportive and collaborative team environment, with plenty of opportunities for professional development and career progression.

Our client is a specialist lender known for providing flexible lending solutions to customers who don't fit the typical high-street profile. They combine commercial acumen with responsible underwriting, fostering a collaborative and forward-thinking culture.

As a Mortgage Underwriter, you will:

• Underwrite near-prime first charge mortgage applications in line with lending policy and regulatory requirements.
• Assess customer affordability, credit profiles, property details, and supporting documentation.
• Make sound, well-documented lending decisions using both automated and manual underwriting techniques.
• Liaise effectively with brokers, valuers, solicitors, and internal stakeholders.
• Manage a pipeline of cases, maintaining service levels and turnaround times.
• Identify and upscale policy exceptions or risks where appropriate.
• Contribute to continuous improvement of underwriting processes and controls.

The Mortgage Underwriter role comes with:

• Annual salary of £40,000 - £45,000.
• Hybrid working options.
• A supportive, collaborative team environment.
• Opportunities for professional development and career progression.
• The chance to make a real impact within a growing specialist lender.

For the Mortgage Underwriter position, the ideal candidate will have:

• Proven experience underwriting first charge residential mortgages, ideally within the near-prime or specialist lending sector.
• Strong understanding of credit risk, affordability assessment, and property valuation.
• Good working knowledge of FCA regulations and responsible lending principles.
• Confident decision-making skills with excellent attention to detail.
• Strong communication skills, with the ability to build positive broker relationships.
• Ability to manage workload effectively in a fast-paced environment.

If you have experience or interest in roles such as Loan Underwriter, Mortgage Analyst, Credit Risk Analyst, Lending Specialist, or Mortgage Advisor, this Mortgage Underwriter position could be the perfect fit for you.

If you're a seasoned Mortgage Underwriter who thrives on near-prime lending and enjoys balancing risk with customer outcomes, this is an opportunity not to be missed. Apply now to join a growing specialist lender and make a significant impact in the field.