Commercial underwriter

We are seeking a detail-oriented and commercially minded Commercial Underwriter to join our growing Buy-to-Let team. In this role, you will be responsible for assessing, underwriting, and making credit decisions on a range of BTL mortgage applications, including individual and portfolio landlords. This is a critical role within our lending operation, ensuring each deal aligns with our credit risk appetite and regulatory standards. Key Responsibilities * Assess and underwrite Buy-to-Let mortgage applications in line with company credit policy and risk appetite. * Evaluate borrower creditworthiness, rental income sufficiency, and overall deal viability. * Review property valuations and ensure properties meet lending criteria (e.g., condition, location, type, tenant profile). * Apply appropriate stress testing and affordability checks in line with PRA and internal guidelines. * Identify and investigate potential risks, fraud indicators, or policy exceptions. * Work closely with brokers, BDMs (Business Development Managers), surveyors, solicitors, and internal teams to progress applications efficiently. * Maintain accurate records and ensure all decisions are clearly documented. * Escalate cases exceeding individual mandate or involving complex risk to the Credit Committee. * Keep up to date with changes in lending policy, regulation, and the BTL market landscape. Skills & Experience * Proven experience in mortgage underwriting, ideally within the BTL or commercial property sector. * Strong understanding of credit risk, income assessment (including rental income), and property valuations. * Familiarity with PRA rules for BTL lending and portfolio landlord assessments. * Ability to work independently and make sound credit decisions within mandate. * Excellent analytical, organisational, and communication skills. * Strong attention to detail and a methodical approach to work. Preferred Qualifications * CeMAP or equivalent industry qualification (preferred but not essential). * Prior experience underwriting complex or portfolio BTL applications. What We Offer * Competitive salary & discretionary bonus * Pension & benefits package * Career development support and training * Collaborative and supportive team environment