Underwriter

Talent Guardian are working with a growing and specialist lender who are looking for an experienced Mortgage Underwriter to join their team based near Maidstone, Kent. This is a fantastic opportunity for someone with strong underwriting experience within the specialist lending market who enjoys working in a fast-paced environment and assessing a wide range of complex cases.   The successful candidate will play a key role in underwriting mortgage applications accurately and consistently in line with lending criteria, regulatory requirements, and risk appetite, whilst building strong relationships with brokers and internal stakeholders. The Role Underwrite mortgage applications in line with company lending criteria and compliance requirements Assess and interpret CAIS/credit data, financial statements, and supporting documentation Review complex case types including HMOs, Multi-Unit Properties (MUPs), Holiday Lets, Expats, Foreign Nationals, SPVs and Limited Company applications Provide clear and well-reasoned underwriting decisions, escalating where appropriate Manage and prioritise your own pipeline to meet agreed service levels and deadlines Work closely with Sales, Risk, Compliance and Operations teams to ensure smooth case progression Build strong relationships with brokers, valuers and external stakeholders Support continuous improvement initiatives and contribute to team knowledge sharing and development What We're Looking For Minimum 2 years' underwriting experience, ideally within Buy-to-Let specialist lending Residential or Commercial underwriting experience will also be considered Strong understanding of the mortgage process and wider mortgage market Experience assessing complex mortgage applications with excellent attention to detail Strong analytical and problem-solving skills Excellent communication skills, both written and verbal Ability to work effectively under pressure within a fast-paced environment Strong organisational skills with the ability to manage deadlines and service levels A proactive and professional approach with a strong team ethic Desirable Experience Experience underwriting HMOs, MUPs, Holiday Lets, Expats, Foreign Nationals and Limited Company structures Previous underwriting mandate experience or the capability to progress toward one Passion for continuous improvement and personal development Positive and adaptable approach to change within a regulated environment What's on Offer Opportunity to join a growing and specialist lender Supportive and collaborative working environment Career progression and ongoing development opportunities Exposure to complex and specialist lending cases Competitive salary and benefits package Interested? Get in touch with Talent Guardian today to find out more or apply now