Residential and Buy-to-Let Mortgage Specialist

1 week ago


Sheffield, Sheffield, United Kingdom Kensington Mortgages Full time
About the Role

We are seeking an experienced Mortgage Underwriter to join our team at Kensington Mortgages. As a key member of our underwriting team, you will be responsible for manually underwriting and approving residential and buy-to-let mortgage applications in accordance with our lending policy, TCF principles, and FCA responsible lending best practice.

Key Responsibilities
  • Manually underwrite and approve mortgage applications, ensuring all cases are thoroughly reviewed and documented.
  • Act as a liaison between underwriting and other areas of the business, ensuring seamless communication and collaboration.
  • Ensure all correspondence, including references and valuations, is in line with our lending policy and mortgage product.
  • Act fairly and reasonably in all dealings with intermediaries, solicitors, and valuers, adhering to TCF and responsible lending principles.
  • Build and maintain strong relationships with key stakeholders, including NBA Buddy, to support their development and increase their knowledge in their role.
  • Proactively stay up-to-date with human resource policy, external legislation, funding constraints, product criteria, and underwriting criteria changes to ensure prudent underwriting.
  • Ensure all complaints are handled in line with our Complaints Handling Procedures and identify improvements to performance and the process.
Requirements
  • Experience in prime and specialist lending as a manual underwriter, holding a mandate of £250k minimum for a minimum of 2 years.
  • Ability to act with integrity and treat customers fairly.
  • Detailed understanding of the mortgage intermediary market and related FCA permissions.
  • Detailed understanding of organised fraud and measures/systems in place to avoid it.
  • Proactive, hardworking, flexible, and able to work under own initiative but also a team player.
  • Demonstrate a full understanding of TCF, responsible lending, and regulatory knowledge applicable to the role.
Desirable Skills
  • Recent experience in niche buy-to-let lending, limited company B2L, including HMOs, light refurbishment, and multi-unit properties.
  • Second charge lending.
  • CeMAP qualified.


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