Buy to Let Underwriter

Enra Group; Watford; Hybrid; GBP 40,000 - 60,000; Full time

Benefits offered by this job

Private medical healthcare

25 days annual leave

Paid volunteering days

Job summary

West One Loans in the United Kingdom is recruiting a detail‑oriented underwriter for Buy to Let mortgage applications. You will assess loan documentation, valuations, and applicant information, ensuring compliance with AML/KYC regulations while managing a busy pipeline.

The role requires strong communication, teamwork, and the ability to meet deadlines under pressure. Experience in BTL underwriting and a good grasp of FCA requirements are essential for success.

Qualifications

• Strong understanding of FCA regulation.
• Experience underwriting mortgage applications, specifically within the BTL market.
• CeMAP (desirable, not essential).

Responsibilities

• Underwrite and assess loan documentation including valuations.
• Check applicants and properties for loan suitability.
• Proactively manage pipeline and chase information from third parties.
• Refer cases to Credit Committee when required.
• Liaise with introducers, valuers and solicitors.
• Oversee cases from inception to completion.
• Conduct AML/KYC checks and ensure compliance with policies.
• Perform CDD and supported EDD for higher-risk cases.

Skills

Attention to detail

Teamwork

Communication skills

Competency tests

Education

CeMAP

Job description

Good Buy to Let underwriting is about more than numbers. It’s about understanding the deal, the property, the borrower and the opportunity.

At West One Loans, we’re looking for someone who enjoys getting into the detail, using their judgement and finding the right lending solution while keeping risk firmly in focus.

If you know Buy to Let inside out and want the autonomy to make decisions that matter, this could be your next move.

Key Accountabilities

• Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns.

• Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for.

• Proactively manage a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained.

• Recommending and referring cases to Credit Committee where credit committee approval required.

• Liaising with introducers, valuers and solicitors.

• Overseeing cases from inception through to completion.

• Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) checks in line with regulatory requirements and internal policies & procedures.

• Ensure compliance where applicable with AML, counter terrorist financing Proliferation financing, tax evasion, fraud, anti-bribery and corruption, sanctions, and financial crime policies & procedures.

• Perform Customer Due Diligence (CDD) and supported Enhanced Due Diligence (EDD) for higher-risk cases including the identification and verification of beneficial owners (BOs), ultimate beneficial owners (UBOs) other relevant parties and corporate ownership structures and assess customer applications for potential money laundering. sanctions, bribery, fraud and other financial crime risks.

Skills & Competencies

• Pass internal competency tests post induction.

• Attention to detail.

• Ability to work as part of a team.

• Good written and verbal communication skills.

Knowledge & Qualifications

• A strong understanding of FCA regulation.

• Experience underwriting mortgage applications, specifically within the BTL market.

• CeMAP (desirable, not essential).

Personal Attributes

• Flexible.

• Articulate.

• Well organised.

• Robust and comfortable working to deadline and under pressure.

Why Join Us?

At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.

Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.