We are seeking a detail-oriented and commercially minded Commercial Underwriter to join our growing Buy-to-Let team. In this role, you will be responsible for assessing, underwriting, and making credit decisions on a range of BTL mortgage applications, including individual and portfolio landlords. This is a critical role within our lending operation, ensuring each deal aligns with our credit risk appetite and regulatory standards. Key Responsibilities Assess and underwrite Buy-to-Let mortgage applications in line with company credit policy and risk appetite. Evaluate borrower creditworthiness, rental income sufficiency, and overall deal viability. Review property valuations and ensure properties meet lending criteria (e.g., condition, location, type, tenant profile). Apply appropriate stress testing and affordability checks in line with PRA and internal guidelines. Identify and investigate potential risks, fraud indicators, or policy exceptions. Work closely with brokers, BDMs (Business Development Managers), surveyors, solicitors, and internal teams to progress applications efficiently. Maintain accurate records and ensure all decisions are clearly documented. Escalate cases exceeding individual mandate or involving complex risk to the Credit Committee. Keep up to date with changes in lending policy, regulation, and the BTL market landscape. Skills and Experience Proven experience in mortgage underwriting, ideally within the BTL or commercial property s