Underwriter

BTL Underwriter / Development Underwriting / Mortgages / BTL / Development / Permanent / Onsite – 5 Days / Merseyside / £350k Mandate Our client, a fast-growing Challenger bank is seeking a highly skilled Mortgage Underwriter with experience in BTL or Development Finance to join their dynamic team. You will join a close-knit team of credit professionals and will work with the Relationship Management, Operations, and Risk teams to support brokers and SMEs in underwriting a range of loans including Mortgages & Buy to Let (BTL) Responsibilities Assess and underwrite new lending applications (Mortgages, BTL & Development) Prepare detailed underwriting notes in support of credit proposals, approving/rejecting applications in line with policy, or recommending where mandate levels are exceeded Support SME customers; check documentation for completeness, adherence to credit policy and ensure full compliance with legislation and regulatory requirements Act as a point of contact for queries from brokers/customers Provide feedback to Risk, Relationship Management and brokers on the quality and completeness of applications Re-underwrite a sample of mortgages/buy-to-let loans acquired by the Bank from third parties to ensure lending criteria and risk appetite are adhered to Act, at all times, in line with the Bank’s core values and to ensure good customer outcomes, providing an excellent standard of customer service Consistently work in an efficient and productive manner, be curious and raise opportunities for improving the efficiency of processes Experience Underwriting experience – Mortgages, complex Buy to let (BTL) & Development Finance Proven critical analysis of prospective borrowers Strong understanding of regulatory requirements, including BCOBS, MCOB, CONC Financial services experience Qualifications & Personal Characteristics A passion for delivering an exceptional customer experience with a client-centric approach to work. A high attention to detail, and sound and reasoned judgement based on an independent and thorough analysis of facts and relevant factors including internal policies and regulations (e.g. CONC) A talented collaborator and communicator, able to bring colleagues together to reach the best way forward for the customer and the Bank The ability to work in a team environment and build strong working relationships with peers to contribute to team goals

Location: Merseyside, GB

Posted Date: 5/4/2025