Job Description
Job Title: Mortgage Underwriter
Location: Buckinghamshire Hybrid 3 days WFH
Salary: Up to 45,000 depending on experience
Hours: Monday to Friday 9 am to 5 pm
Benefits:
- Bonus: Up to 10% based on performance
- Life Insurance: Up to 4x salary
- Private Medical: Vitality cover for you & your family
- Hybrid Working: 3 days from home, flexible options
- Paid Time Off: 33 days, including holidays, enhanced parental leave, and emergency leave
- Pension: Competitive employer contributions
- Wellbeing: Mental & physical health support
- Culture & Growth: Inclusive, supportive team with training, career development, and clear progression paths
About the role of Mortgage Underwriter:
We're looking for experienced Mortgage Underwriters with a specialist lending background and strong manual underwriting experience, covering Buy-to-Let or Residential mortgages. This is a fast-paced, high-volume role in a business currently in a high-growth phase, offering superb opportunities for ambitious underwriters to progress their careers. You'll manage applications from start to finish, make independent lending decisions on complex cases, and work within a collaborative, results-driven team.
Responsibilities required for the role of Mortgage Underwriter:
- Assess and underwrite Buy-to-Let and Residential mortgage applications from receipt to completion.
- Make independent lending decisions in line with credit policies and regulatory requirements.
- Review borrower creditworthiness, affordability, and risk factors, applying sound judgment.
- Maintain accurate records and ensure high levels of compliance throughout the process.
- Handle complex cases and post-offer queries efficiently.
- Support and collaborate with underwriting peers and management to deliver excellent service.
- Contribute to process improvement initiatives and operational efficiency.
- Work within a fast-paced, high-volume environment, managing multiple cases effectively.
Experience required for the role of the Mortgage Underwriter:
- Proven experience in specialist lending.
- Strong manual underwriting experience in Residential and/or Buy-to-Let mortgages.
- Ability to assess credit risk, make independent lending decisions, and manage complex cases.
- Knowledge of regulatory requirements (AML, FCA) and strong attention to detail.
- Confident working in a fast-paced, high-volume environment.
For more information regarding the role of Mortgage Underwriter, please contact us
Stellar Select is acting as an employment agency and is a corporate member of the REC
Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.
