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

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