You'll be responsible for underwriting cases across buytolet (including HMOs), shortterm lets, semicommercial and commercial mortgages, operating within policy and delegated authority. This role suits a commercially minded underwriter who can balance risk and reward while delivering strong broker relationships and excellent customer outcomes. Underwriting & Credit Assessment

Underwrite mortgage applications within delegated authority and lending policy
Analyse credit searches, bank statements, financial accounts, portfolios and valuations
Form clear lending rationales, escalating cases outside mandate where required
Maintain a pragmatic and proportionate approach - avoiding unnecessary document requests
Ensure appropriate customer due diligence and AML checks are completed
Demonstrate strong attention to detail to minimise arrears and operational losses
Apply policies, procedures and compliance standards consistently
Identify, manage and escalate risks in line with HTB frameworks
Manage a pipeline of cases through to formal offer
Deliver timely, accurate decisions in line with service standards
Respond efficiently to internal and external enquiries
Drive a bestinclass customer journey - faster, clearer and more consistent decisions
Build and maintain strong relationships with brokers and introducers
Communicate decisions and requirements clearly and professionally
Support sales colleagues in maintaining strong broker relationships
Work collaboratively with completions, servicing, risk and wider Specialist Mortgages teams
Senior Underwriters and the wider Specialist Mortgages underwriting team
MD - Specialist Mortgages
Sales, Completions and Servicing teams
Risk & Compliance (2nd line)
Brokers, valuers, conveyancers and borrowers

Proven underwriting experience in specialist mortgages
Strong background in buytolet, HMOs, shortterm lets, and commercial/semicommercial lending
Good understanding of the mortgage intermediary market and underwriting legal requirements
Riskaware mindset with balanced, commercial judgement
Excellent attention to detail and decisionmaking capability
Strong communication and relationshipmanagement skills
Customercentric approach with a focus on quality outcomes
Flexible and adaptable to new products and markets
Collaborative team player with a proactive, "above and beyond" mindset, If you're an experienced specialist mortgage underwriter who enjoys balancing risk with commercial decisionmaking and building strong broker relationships, we'd love to hear from you.

Competitive salary
Discretionary annual bonus
Hybrid working (50/50)
25 days annual leave (increasing with service) + Holiday Buy Scheme
Private Medical Insurance (Bupa)
Mental health & wellbeing support via YuLife & Bupa
Pension scheme - 8% employer contribution (noncontributory)
Cycle to Work & Green Car Schemes
Interestfree season ticket loan
Study support & professional memberships
Annual volunteering day & Net Zero commitment
YuLife Rewards - retail, lifestyle & experience discounts

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