Buy to Let Mortgage Underwriter
Kent
Responsibilities:
*Underwrite mortgage applications to a high standard
*Interpret CAIS/Credit data, financial statements, and supporting documents
*Assess income and complete case types, including Standard properties, Multi-unit (MUP) properties, HMO’s, Expats, foreign nationals, Trading Limited companies, SPVs and Holiday lets
*Provide clear, well reasoned decisions, including referrals to senior mandate holders
*Manage and prioritise a personal pipeline, meeting service levels
*Collaborate with internal teams (Sales, Risk, Compliance, Pre-offer, Post Offer)
*Communicate professionally with brokers, valuers, and external stakeholders
*Contribute to continuous improvement, supporting training, sharing knowledge, and adapting to changes in the specialist lending market and regulatory environment


Essential Skills and Experience
*Strong Understanding of the Mortgage process and the wider Mortgage market.
*Must have a minimum 2 years’ underwriting experience, ideally within Buy-to-Let Residential or Commercial experience also considered.
*Proven ability to assess complex cases with high attention to detail and sound judgement
*Excellent written and verbal communication skills.
*Strong analytical, planning and problem-solving skills
*Proficient in Microsoft Word, Excel and Outlook
*Ability to work effectively under pressure in a fast-paced environment
*Demonstrated ability to work to defined service standards and deadlines
*Strong teamwork, with a commitment to supporting colleagues and contributing to shared goals