BTL Underwriter

Ultimate Banking Ltd; Milton Keynes; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A dynamic financial institution is seeking a Mortgage Underwriter for their Milton Keynes or Birmingham location. You will assess mortgage applications to ensure compliance with credit risk policies, while assisting in preparation and communication with partners. Ideal candidates have a recent Underwriting Mandate and knowledge of Buy-to-Let lending. This role offers a hybrid working pattern and comprehensive benefits, including a contributory pension scheme and private medical insurance.

Benefits

Hybrid working pattern

Contributory pension scheme

Death in service benefit (4× salary)

Private medical insurance

Discretionary annual bonus

Additional holiday over Christmas

Qualifications

• Current or recent Underwriting Mandate required.
• Good understanding of the mortgage process.
• Experience working under tight deadlines.

Responsibilities

• Assess and underwrite mortgage applications according to credit risk policy.
• Assist processing team in preparing case files.
• Communicate with intermediary partners regarding new applications.

Skills

Buy-to-Let lending knowledge

Record/file management

Excellent communication skills

Ability to work under pressure

Team collaboration

Task prioritization

Job description

Mortgage Underwriter

Milton Keynes OR Birmingham based

£depending on experience

Do you want to work for a vibrant company that has drive and ambition but puts their employees at the heart of what they do? Our client is exactly that company. They believe in working hard to achieve their goals, but they want their staff to have fun and a good work‑life balance.

They are looking for an Underwriter to join a growing team of 7 so far. They need experienced Buy-to‑Let Underwriters, but this could just be part of your skill set as there is a definite opportunity to expand into other areas in the future. They have two premises; one in Milton Keynes and another in Birmingham and are happy with this role being based in either location.

The primary function of this role is to assess and underwrite mortgage applications to ensure all lending complies with the company’s credit risk policy. Additionally, work with the processing team to assist in the preparation of case files as well as assisting our intermediary partners by discussing potential new applications.

If you want to join this exciting company, you will have:

• A current or recent Underwriting Mandate
• Good knowledge of Buy-to‑Let lending (to include Limited Company, HMO and Multi‑lets)
• A good understanding of the mortgage process
• Knowledge of working under pressure to tight deadlines – a 'can do' attitude
• Record/file management experience
• Experience of working in a team
• Ability to prioritise tasks
• Excellent communication skills

In return, they offer:

• Hybrid working pattern: Office based in Milton Keynes or Birmingham on Mondays & Thursdays, with the other 3 days work‑from‑home.
• Contributory pension scheme
• Death in service (4 × salary)
• Vitality Private Medical Insurance & dental cover
• Employee Assistance Program
• Discretionary annual bonus
• Additional 2 days holiday over Christmas.