Senior Underwriter
hace 7 días
Manchester
Senior Mortgage Underwriter – Specialist Buy-to-Let ( 6 Month Contract ) 📍 Greater Manchester This is an exciting opportunity for an experienced underwriter to take ownership of complex cases and play a key role in shaping a UK challenger bank’s mortgage proposition. As Senior Mortgage Underwriter, you’ll be responsible for managing applications end-to-end — from initial assessment through to completion and release of funds. You’ll work on complex and high-value cases, structuring lending facilities of up to £5m while balancing risk management with exceptional service. What you’ll be doing • Underwrite large and complex mortgage applications within delegated authority., • Build detailed lending rationales, applying affordability tests and risk mitigants., • Work across specialist lending including portfolio landlords, HMOs, MUFBs and limited company applications., • Assess individual and company financial statements to support lending decisions., • Manage high-value exposures (typically £1m+) across varied property types., • Collaborate with brokers, introducers, and relationship managers to generate new and repeat business., • Mentor and support junior underwriters, sharing expertise on complex cases., • Contribute to process improvements, regulatory changes, and system developments., • Support audits, fraud prevention, and wider risk management. What we’re looking for • Mandated underwriter in corporate and BTL lending (to ML4 / £800k+) or equivalent experience with another lender., • Strong knowledge of buy-to-let, portfolio, and corporate landlord lending., • Skilled at structuring complex cases and understanding security/legal requirements., • Experience underwriting high-value and multi-property portfolios., • Confident operating in a fast-moving environment and adapting to change., • Excellent communication skills with the ability to build strong relationships., • Previous experience coaching or mentoring underwriters is a plus. What you’ll bring • In-depth understanding of the specialist buy-to-let and professional landlord market., • Commercial awareness, with the ability to interpret wider economic and market factors., • Strong analytical skills and attention to detail. Why join? This is a chance to take on a pivotal role within a challenger bank recognised for its innovative approach to the specialist mortgage market. You’ll have the opportunity to work on complex lending cases, build lasting relationships with clients and brokers, and be part of a team that is shaping the future of landlord and portfolio lending. Any questions email me on