Field Underwriter - Specialist Mortgages

Overview

Field Underwriter – Specialist Mortgages
•

Location:

Head Office + Field (Hybrid 50/50)
•

Hours:

Monday to Friday, 9:00am–5:30pm
•

Reports to:

Head of Field Underwriting
• Department:
Specialist Mortgages – Underwriting

Are you an experienced Underwriter ready for the next step in your career
? This newly created Field Underwriter position offers a rare opportunity to move into a more relationship‑led
, externally facing role that sits halfway between sales and underwriting
. As part of our Specialist Mortgages division, you’ll work directly with our elite broker partners, offering on‑site underwriting support and helping shape a premium customer journey. You’ll become a key point of contact for lending criteria, case structuring and deal progression — while maintaining the robust credit discipline expected within specialist lending. This is a unique chance to combine your underwriting expertise with commercial exposure, relationship management and market engagement.

• Relationship‑Led Underwriting
• Build strong relationships with elite / specialist broker partners
• Provide on‑site or remote underwriting support to improve case quality and speed
• Represent HTB as a subject matter expert on criteria, structure and lending appetite

• Specialist Mortgage Underwriting
• Underwrite BTL, HMO, Short‑Term Lets, Semi‑Commercial and Commercial cases
• Analyse portfolios, bank statements, valuations, credit searches and financials
• Deliver balanced, commercial decisions within delegated authority

• Stakeholder Engagement
• Liaise closely with Sales, Underwriting, Risk & Compliance and leadership teams
• Communicate clearly and effectively on decisions, requirements and risk positions

• Operational & Customer Excellence
• Manage a pipeline of cases and deliver consistent, timely decisions
• Contribute to a premium customer journey through clarity, consistency and speed
• Support the continued evolution of the Field Underwriting model

You’ll partner with:

• Brokers & introducers
• Head of Field Underwriting
• Specialist Lending & Completions teams
• Risk & Compliance
• Valuers, conveyancers and external specialists

• Strong experience in specialist Buy‑to‑Let, HMO, Commercial or Bridging underwriting
• Excellent commercial judgement with a risk‑balanced mindset
• Confident communicator with the ability to negotiate and influence
• Relationship‑driven and comfortable representing the bank externally
• Ability to work autonomously, make decisions and manage a busy pipeline
• Field underwriting experience is great to have, but not required

• 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 an experienced Underwriter looking to broaden your impact, elevate your profile in the market, and move into a more relationship‑driven, commercially focused role,
we’d love to hear from you
.