BTL Mortgage Underwriter

This range is provided by Quantum Mortgages. Your actual pay will be based on your skills and experience – talk with your recruiter to learn more. About the Role As a Buy To Let Mortgage Underwriter at Quantum Mortgages, you will be responsible for the full assessment and underwriting of mortgage applications, ensuring each case aligns with the company’s credit risk policy and lending criteria. You will manage applications from initial review through to completion, making independent decisions and maintaining high standards of accuracy, compliance, and customer service. This role is central to delivering a seamless experience for brokers and applicants while safeguarding the firm’s risk appetite. Significant Responsibilities include: Process & underwrite new loans in line with credit policy and underwriting procedures and processes. Participate and contribute to ongoing business improvement activity. Deliver a first‑class proactive customer service through inbound and outbound communication by telephone, email and the case portal to all case stakeholders including introducers, service suppliers, reference providers and occasionally applicants (as appropriate). Possess a thorough understanding of the products offered by the Firm, its lending strategy, credit risk policies, and processes. Assess borrower creditworthiness and underwrite new mortgage applications from initial receipt through to completion. Ensure a high level of accuracy of data entry and ongoing record keeping. Support the case management team and underwriting peer group in delivering an excellent, compliant service with prompt and accurate decisioning at each stage of the process. Deal with and action post‑offer queries from the outsourcing servicing partner. Support the Underwriting Manager/Senior Underwriters as and when required and appropriate. What we’re looking for Skills and Competencies Underwriting Expertise: Deep understanding of mortgage underwriting principles, especially in the Buy-to-Let (BTL) sector, with the ability to assess complex and non‑standard cases using sound judgment and clear rationale. Risk & Compliance: Strong grasp of credit risk, affordability analysis, financial crime indicators, and regulatory obligations (e.g., AML, FCA), with awareness of industry trends and best practices. Analytical & Decision‑Making: Skilled in interpreting data beyond policy to evaluate suitability and risk, identifying and mitigating potential issues including fraud and customer vulnerability. Communication & Collaboration: Excellent written and verbal communication skills for engaging with brokers, solicitors, valuers, and internal teams; collaborative team player who supports shared goals and continuous improvement. Pipeline & Workflow Management: Proficient in managing dynamic case pipelines, meeting SLAs, handling post‑offer queries, and prioritising workloads effectively. Technology Proficiency: Competent in using mortgage processing systems and CRM platforms with accurate data entry and audit‑ready record keeping. Professional Behaviours: Self‑driven, accountable, adaptable to change, and resilient under pressure. Upholds integrity and ethical standards, seeks feedback and development, and proactively identifies process improvements. Qualifications and Experience Proven ability to manage complex cases and multiple work streams to timely completion. Experience with specialist lending or intermediary‑based mortgage models. Proven experience in mortgage underwriting, ideally within the BTL or specialist lending space. Demonstrated ability to make independent lending decisions within a defined mandate. Strong understanding of credit risk, regulatory requirements, and mortgage operations. Experience within the financial services and/or banking/lending industries/sectors. Involvement in process improvement or project delivery initiatives. Familiarity with automated underwriting systems and digital case management tools. Personal Attributes & Disposition Customer‑Centric Mindset Demonstrates a strong commitment to understanding and meeting customer needs. Proactively seeks customer feedback to improve services and products. Prioritises customer satisfaction in all decision‑making processes. Inclusivity and Respect Values diversity and actively promotes an inclusive work environment. Treats all colleagues with respect and openness. Encourages collaboration and values different perspectives. Values open, honest, and transparent communication. Data‑Driven and Risk‑Focused Utilises data to inform decisions and improve processes. Adheres to established procedures and guidelines. Maintains a strong focus on risk management and mitigation. Innovative and Bold Decision‑Making Embraces new technologies and innovative solutions. Demonstrates a willingness to take calculated risks. Continuously seeks opportunities for growth and improvement. Why Join Us? Company Bonus Scheme: Up to 10% in line with our policies, rewarding your hard work and dedication. Life Insurance: Coverage up to 4x your salary for peace of mind. Vitality Private Medical Insurance: Comprehensive coverage for you and your family. Hybrid Working: Enjoy the flexibility of working from home 3 days a week, with additional/alternative flexible arrangements considered upon request. Generous Leave: 23 days annual leave, 8 statutory holidays, plus 2 additional paid leave days over the Christmas period. Pension Scheme: Competitive contributions to secure your future. Fantastic Company Culture: We pride ourselves on our inclusive and supportive environment, reflected in our amazing team. Wellbeing Support: Access to resources and programs to support your mental and physical health. Professional Development: Opportunities for training and growth to help you advance your career. Career Progression: Clear pathways for advancement, with achievements recognised and celebrated. About Us At Quantum Mortgages Limited (QML), we are dedicated to revolutionising the mortgage industry with innovative solutions and exceptional customer service. Established with a vision to simplify the mortgage process, we have grown into a trusted name in the financial sector. Our mission is to offer personalised mortgage solutions that cater to the unique needs of each client, ensuring a smooth and supportive journey from application to approval. What Sets Us Apart Recognised Excellence: Recently recognised by Mortgage Introducer magazine as the overall top mortgage employer of 2023 and Buy to Let Lender of the Year. Specialist Lender: We specialise in providing finance to professional landlords who are underserved by high street lenders and even many existing specialist lenders. Personalised Service: We offer customised mortgage solutions tailored to individual needs, ensuring our clients receive the best possible support. Join us at Quantum Mortgages Limited and be a part of a team that is shaping the future of the mortgage industry. Together, we can achieve great things. Referrals increase your chances of interviewing at Quantum Mortgages by 2x #J-18808-Ljbffr