Mortgage UnderwriterLocation: West Malling, KentWorking Pattern: Office based with 1 day working from home per weekSalary: £35,000 - £42,000Reports to: Underwriting Team LeaderAbout the RoleWe are looking for a Mortgage Underwriter to join a specialist lending company based in West Malling, Kent. The successful candidate will be responsible for underwriting mortgage applications accurately while ensuring compliance with lending criteria, regulatory requirements and the company''s risk appetite.This role requires strong analytical judgement, effective pipeline management, and the ability to build productive relationships with internal teams, brokers, and external partners.Key ResponsibilitiesUnderwrite mortgage applications to a high standard, ensuring adherence to lending criteria, risk appetite and compliance expectations.Interpret CAIS/credit data, financial statements and supporting documents for both individual and company applications.Assess income and review a range of case types including standard properties and multi-unit properties (MUP).Provide clear and well-reasoned underwriting decisions, including referrals to senior mandate holders or Credit Committee where required.Manage and prioritise a personal pipeline to ensure service levels are achieved while supporting colleagues when required.Work closely with internal teams including Sales, Risk, Compliance, Pre-Offer and Post-Offer teams to ensure smooth case progression.Communicate professionally with brokers, valu