Mortgage Underwriter

Job Title: Mortgage Underwriter

Location: Buckinghamshire Hybrid 3 days WFH

Salary: Up to £45,000 depending on experience

Hours: Monday to Friday 9 am to 5 pm

Benefits:

• Bonus: Up to 10% based on performance
• Life Insurance: Up to 4x salary
• Private Medical: Vitality cover for you & your family
• Hybrid Working: 3 days from home, flexible options
• Paid Time Off: 33 days, including holidays, enhanced parental leave, and emergency leave
• Pension: Competitive employer contributions
• Wellbeing: Mental & physical health support
• Culture & Growth: Inclusive, supportive team with training, career development, and clear progression paths

About the role of Mortgage Underwriter:

We’re looking for experienced Mortgage Underwriters with a specialist lending background and strong manual underwriting experience, covering Buy-to-Let or Residential mortgages. This is a fast-paced, high-volume role in a business currently in a high-growth phase, offering superb opportunities for ambitious underwriters to progress their careers. You’ll manage applications from start to finish, make independent lending decisions on complex cases, and work within a collaborative, results-driven team.

Responsibilities required for the role of Mortgage Underwriter:

• Assess and underwrite Buy-to-Let and Residential mortgage applications from receipt to completion.
• Make independent lending decisions in line with credit policies and regulatory requirements.
• Review borrower creditworthiness, affordability, and risk factors, applying sound judgment.
• Maintain accurate records and ensure high levels of compliance throughout the process.
• Handle complex cases and post-offer queries efficiently.
• Support and collaborate with underwriting peers and management to deliver excellent service.
• Contribute to process improvement initiatives and operational efficiency.
• Work within a fast-paced, high-volume environment, managing multiple cases effectively.

Experience required for the role of the Mortgage Underwriter:

• Proven experience in specialist lending.
• Strong manual underwriting experience in Residential and/or Buy-to-Let mortgages.
• Ability to assess credit risk, make independent lending decisions, and manage complex cases.
• Knowledge of regulatory requirements (AML, FCA) and strong attention to detail.
• Confident working in a fast-paced, high-volume environment.

For more information regarding the role of Mortgage Underwriter, please contact us

Stellar Select is acting as an employment agency and is a corporate member of the REC

Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.