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.