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BTL Mortgage Underwriter

To underwrite, maintain and manage a pipeline of BTL 1st charge cases from application to offer stage.

Job Description

Key Accountabilities

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactive chasing of outstanding information from third parties and timely updates to introducers to enable service excellence
  • Recommending and referring cases to the relevant mandate holders for approval
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to offer
  • Update all relevant systems to maintain management information

Skills & Competencies

  • Pass internal competency tests post induction
  • Very good organisational skills
  • Good verbal & written communication skills
  • Attention to detail
  • Time management
  • Competent user of Microsoft office software

Knowledge & Qualifications

  • Experience within the secured lending sector
  • A good understanding of the underwriting process
  • Previous experience of managing a caseload in a fast-paced environment
  • Industry relevant qualifications are beneficial but not a requirement

Personal Attributes

  • Driven to achieve results
  • Tenacious
  • Personable
  • Able to flex style

How these will be demonstrated in the role


Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.


Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.


Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

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