Underwriting Quality Analyst

Kensington Mortgage Company Limited; City Of London; Remote; GBP 50,000 - 70,000; Full time

Job summary

A leading mortgage lender is seeking a Quality Assurance Underwriter to ensure the integrity of underwriting decisions. You will review mortgage applications, provide feedback to underwriters, and support compliance with lending policies. Ideal candidates have at least 5 years of experience in mortgage underwriting and strong analytical skills. This is a full-time, remote role with opportunities for professional growth.

Benefits

Supportive work environment

Opportunities for personal and professional growth

Diversity and inclusion programs

Qualifications

• 5+ years experience in first charge mortgage originations, including 3+ years in a mandated underwriting role.
• Prior experience in a QA role within a mortgage lender.
• Strong analytical skills and the ability to interpret complex data.

Responsibilities

• Review and validate underwriting outcomes across all new lending originations and contract variations.
• Provide timely feedback and reporting to underwriters and team managers.
• Identify and implement process improvements to enhance audit and operational efficiency.

Skills

Analytical skills

Communication skills

Attention to detail

Understanding of mortgage regulations

Job description

Underwriting Quality Analyst (022544) Marlow, England

Location:Remote

Type:Full-time, Permanent

Start Date:Monday, 19 January 2026

Reports to:Underwriting Technical Manager / Underwriting Quality Manager

Are you a seasoned mortgage underwriter with a passion for quality assurance and responsible lending?

JoinKensington Mortgagesas aQuality Assurance Underwriter, where you’ll play a pivotal role in ensuring the integrity of our underwriting decisions and helping shape the future of specialist lending.

About the Role

As an Underwriting Quality Analyst, you’ll be responsible for reviewing and validating underwriting outcomes across all new lending originations and contract variations. You’ll ensure alignment with our risk appetite, lending policy, and regulatory standards through a robust framework of QA and QC checks.

This role is central to our commitment toresponsible lending, and you’ll work closely with our Lending Operations team to drive continuous improvement, coaching, and operational excellence.

Key Responsibilities

• Re-underwrite offeredResidential and Buy-to-Letmortgage applications and contract variations.
• Maintain expert knowledge of lending policy, product criteria, and operational procedures.
• Provide timely feedback and reporting to underwriters and team managers.
• Support skill development through coaching and knowledge sharing.
• Identify and implement process improvements to enhance audit and operational efficiency.
• Maintain accurate records of audit activities and support third-party audit reviews.
• Ensure compliance with financial crime prevention policies, including fraud and money laundering.
• Stay up to date with HR policies, regulatory changes, and underwriting standards.

What You\'ll Bring

• 5+ years experiencein first charge mortgage originations, including3+ years in a mandated underwriting role(£250k+).
• Prior experience in aQA rolewithin a mortgage lender.
• Strong analytical skills and the ability to interpret complex data.
• Confident communicator with excellent influencing skills.
• Deep understanding of the mortgage intermediary market and fraud prevention.
• Proactive, detail-oriented, and able to work independently and collaboratively.
• Full understanding ofTCF, responsible lending, risk layering, and vulnerability indicators.
• Highly PC literate and comfortable managing multiple tasks.
• Experience with niche Buy-to-Let lending includingHMOs, multi-unit properties, andLimited Company Buy-to-Let

Why Kensington Mortgages?

At Kensington, we've been leading the way inspecialist mortgage solutionsfor over 25 years. As asubsidiary of Barclays Bank UK PLC, we operate with integrity, innovation, and a commitment to making a difference.

We offer:

• Asupportive and inclusivework environment
• Opportunities forpersonal and professional growth
• A culture that celebratesdiversity and neurodiversity
• A workplace where everyone feelsvalued and empowered

Ready to Make a Difference?

If you're passionate about quality, compliance, and helping customers access the mortgages they deserve ,apply todayand become part of the Kensington Mortgages family.

All offers are subject toDBS, credit, and Right to Work checks.

Please ensure availability for training and avoid extended leave during onboarding.