Mortgage Underwriter

What's On In Doncaster; Doncaster; Remote; GBP 38,000 - 40,000; Full time

Job summary

A leading company in mortgage solutions is seeking experienced Underwriters to join their Lending Operations team. This fully remote role offers a chance to make a significant impact in the mortgage industry while maintaining high standards of integrity and customer care. With support for personal growth and professional development, you'll thrive in a flexible working environment that values your contributions.

Qualifications

• Minimum 3 years' experience in Prime and Specialist lending.
• Strong integrity and commitment to treating customers fairly.
• Deep knowledge of the mortgage intermediary market.

Responsibilities

• Underwrite and approve Residential and Buy-to-Let mortgage applications.
• Build and maintain strong relationships with brokers.
• Ensure all actions align with Treating Customers Fairly principles.

Skills

Excellent communication skills

Integrity

Risk mitigation knowledge

Job description

Doncaster, Yorkshire and the Humber, United Kingdom

Reed - UNLIMITED

Posted 1 day ago

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Full Job Description

Location: Fully Remote (Including all training)

Type: Full-Time, Permanent

Salary: £38,500 - with an upcoming mandated salary uplift to £40,000

Start Date: 8th September 2025

We're currently looking for experienced and motivated Underwriters to join our Lending Operations team.

This role offers a fantastic opportunity to deepen your impact at Kensington, working at the heart of our underwriting function and supporting our vision of delivering responsible and specialist lending with integrity.

About Us

At Kensington Mortgages, we've been leading the way in providing specialist mortgage solutions for over 25 years.

We're dedicated to helping people secure mortgages, especially when high street lenders say no. Our approach is all about understanding the unique circumstances of our customers — what we call the Kensington Difference.

As a wholly owned subsidiary of Barclays Bank UK PLC, we pride ourselves on operating with the highest standards of service and integrity, fully authorized by the Financial Conduct Authority.

Overall Purpose of Job

As an Underwriter, you will assess and approve Residential and Buy-to-Let mortgage applications, ensuring they meet our lending policy, TCF principles, and FCA standards.

You will play a key role in risk-based decision making, maintaining high-quality underwriting standards and excellent broker communication.

Key Accountabilities

• Underwrite and approve Residential and Buy-to-Let mortgage applications according to lending policy and within authorized mandate, adhering to all quality and service measures.
• Recommend any cases outside mandate to management, ensuring robust documented rationale for decisions.
• Build and maintain strong relationships with brokers, providing timely updates and clear communication.
• Support Operations in ongoing User Acceptance Testing (UAT).
• Ensure all actions and communications align with Treating Customers Fairly (TCF) and responsible lending principles.
• Collaborate with the completions team to drive productivity through efficient operations.
• Uphold the company's Code of Business Ethics and responsibilities related to preventing financial crime, including money laundering and fraud detection/reporting.
• Stay informed of changes to HR policies, regulations, lending criteria, and underwriting standards to support responsible lending.
• Meet Service Level Agreements (SLAs).
• Handle complaints in line with the Complaints Handling Procedures, and identify performance and process improvements.
• Undertake ad hoc projects as directed by the Underwriting Technical Manager or Head of Lending, with flexibility to assist wider business needs.

Experience, Knowledge, Skills

• Minimum 3 years' experience in Prime and Specialist lending as an Underwriter with a mandate of at least £200k.
• Excellent communication skills, confident in engaging with brokers on application discussions.
• Strong integrity and commitment to treating customers fairly.
• Deep knowledge of the mortgage intermediary market and FCA permissions.
• Awareness of organized fraud and risk mitigation controls.
• Proactive, hardworking, adaptable, and able to work independently and in a team.
• Full understanding of responsible lending and relevant regulatory knowledge, with effective prioritization skills.
• Experience with Niche Buy-to-Let Lending, including HMOs, Light Refurbishment, and Multi-Unit properties.
• Understanding of Second Charge lending.

Why Join Kensington Mortgages

We believe our employees are the heart of our success. We are committed to creating a supportive, flexible environment that values personal growth, professional development, and work-life balance.

Our inclusive culture respects diversity and ensures everyone feels valued and understood. We are committed to being an inclusive, neurodiversity-friendly employer.

Ready to make a difference?

If you're passionate about providing exceptional service and want to join a team that values your contributions, we'd love to hear from you!

Apply today to become part of the Kensington Mortgages family and help us continue making a positive impact.

Important Information

Please note, all offers are subject to background checks, including criminal (DBS), credit, and Right to Work checks.

You must be able to start on Monday, 8th September, with no long periods of annual leave during the initial training weeks.