BTL Underwriter

Brooke Harrison Recruitment; Greater London; On-site; GBP 42,000 - 60,000; Full time

Job summary

Brooke Harrison Recruitment in London is seeking an experienced Buy-to-Let Underwriter to join a specialist lender in the City. You will assess complex Buy-to-Let mortgage applications, apply lending policy and regulatory requirements, and manage cases through to offer while maintaining excellent service standards.

With a minimum of 2 years' specialist BTL underwriting experience gained within a lender, you will liaise with brokers and valuers, issue offers, and uphold accurate records.

Qualifications

• Minimum 2 years' specialist Buy-to-Let underwriting experience.
• Ability to assess complex cases and make sound lending decisions.
• Experience managing applications through to offer within a lender.

Responsibilities

• Assess and underwrite Buy-to-Let mortgage applications.
• Review financial documents from intermediaries to determine eligibility.
• Conduct risk assessments and liaise with brokers, valuers, solicitors and others.
• Make underwriting decisions and determine special conditions.
• Issue mortgage offers for approved applications.
• Maintain accurate records and ensure documentation compliance.
• Build and maintain relationships with brokers and business partners.
• Ensure applications are processed within SLAs.
• Adhere to internal procedures and regulatory requirements.
• Work independently while contributing to a collaborative team.

Skills

BTL underwriting

Policy knowledge

Risk assessment

Stakeholder communication

Job description

We are looking for an experienced Buy-to-Let (BTL) Underwriter to join a specialist lender within a growing team, based in the City of London. This role is suited to a confident underwriter with a minimum of 2 years' specialist Buy-to-Let underwriting experience, who can assess complex cases, make sound lending decisions, and manage applications through to offer while maintaining exceptional service standards.

Key Responsibilities

• Assess and underwrite Buy-to-Let mortgage applications in line with lending policy and regulatory requirements.
• Review financial and supporting documentation received from intermediaries to determine applicant eligibility.
• Conduct thorough risk assessments, liaising with brokers, valuers, solicitors, and other stakeholders where required.
• Make informed underwriting decisions and determine appropriate special conditions.
• Issue mortgage offers for approved applications.
• Maintain accurate records and ensure all documentation is fully compliant.
• Build and maintain strong relationships with brokers and business partners.
• Ensure all applications are processed within agreed service level agreements (SLAs).
• Adhere to internal procedures, compliance standards, and regulatory requirements.
• Minimum 2 years' specialist Buy-to-Let mortgage underwriting experience gained within a lender.
• Strong knowledge of Buy-to-Let lending policies, underwriting principles, and risk assessment.
• Experience of manually underwriting BTL mortgage applications from submission to offer.
• Excellent communication and relationship-building skills with brokers and third parties.
• High level of accuracy and attention to detail.
• Ability to work independently while contributing positively to a collaborative team.
• Strong organisational skills with the ability to manage multiple cases effectively.

Why Join Us?

• Opportunity to work for a established specialist lender.
• Supportive and collaborative working environment.
• Professional development and career progression opportunities.
• Central London office location.