North of England Hybrid Underwriter

2 weeks ago


Lancashire, United Kingdom Montpellier Resourcing Full time

Hybrid - focussed on the Northwest of England, Manchester and the surrounding areas


Up to £50,000 plus excellent bonus and benefits


Due to exciting growth and expansion, a fantastic opportunity has arisen for an experienced property finance lending Underwriter to join a specialist Property Lending bank. Specializing in residential and buy to let mortgages, you will be responsible for packaging, underwriting and approving new mortgage applications for a variety of first and second charge and Buy to Let lending products.


Duties of the Underwriter (Residential and Buy to Let Mortgages) to include:

  • Review and approve both residential and buy-to-let (BTL) mortgage applications.
  • Underwrite and approve new mortgage applications for a variety of first / second change lending products.
  • Efficiently manage an assigned pipeline of applications, ensuring smooth progression from submission to completion.
  • Oversee new applications, manage incoming correspondence, and handle pre-submission inquiries within established service standards.
  • Make informed lending decisions that align with Credit Risk Policy and individual authority levels.
  • Evaluate applications holistically, considering the overall customer outcome and needs.
  • Maintain adherence to internal underwriting policies and meet regulatory obligations, including FCA, PRA, Anti-Money Laundering, Financial Crime Prevention, and Data Protection.
  • Engage with a pre-selected panel of Introducers to provide prompt, accurate, and consistent underwriting decisions.
  • Support management by participating in project-based work and completing ad-hoc tasks as needed.
  • Deliver quality underwriting decisions that foster performing loans and positive customer outcomes.
  • Cultivate and sustain productive business relationships with an assigned group of Introducers.


✅Requirements for the successful Underwriting (Property Finance):

  • Previous experience in underwriting, credit assessment or lending is essential and candidates should have experience with residential and Buy to Let mortgages.
  • Experience with Second Charge lending products highly desirable
  • Experience working in a highly regulated environment
  • Strong communication skills and ability to build relationships with introducers and / or external clients
  • Candidates will ideally currently hold a lending mandate and will be CeMAP qualified


⭐What’s in it for you:

  • Private Medical Insurance
  • 26 days holiday with 2 wellbeing days and opportunity to purchase more annual leave
  • Hybrid Working offering you the ability to balance your work and home life
  • Excellent career development opportunities and sponsorship of relevant qualifications
  • And MUCH MORE


This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.



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