*Based near Maidstone, Kent
*Underwriting experience
*Monday - Friday
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.