Buy to Let Mortgage Underwriter

At Quantum Mortgages Limited (QML), we are dedicated to revolutionizing 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 personalized 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

• Recognized Excellence: Recently recognized by Mortgage Introducer magazine as the overall top mortgage employer of 2023 and Buy to Let Lender of the Year.
• Specialist Lender: We specialize in providing finance to professional landlords who are underserved by high street lenders and even many existing specialist lenders.
• Personalized Service: We offer customized mortgage solutions tailored to individual needs, ensuring our clients receive the best possible support.

About the Role

The primary function of this role is to assess and underwrite mortgage applications, ensuring all lending complies with the company’s credit risk policy. Additionally, you will collaborate with the processing team to prepare case files and assist our intermediary partners by discussing potential new applications.

Key responsibilities include:

• Processing and underwriting new loans in line with credit policy, responsible lending policy, and the underwriting manual.
• Participating in ongoing business improvement activities.
• Delivering proactive customer service through various communication channels to all stakeholders.
• Building a thorough understanding of the firm’s products, lending strategy, credit risk policies, and processes.
• Assessing borrower creditworthiness and underwriting new mortgage applications from initial receipt through to completion.
• Ensuring high accuracy in data entry and record keeping.
• Supporting the processing team and underwriting peers to deliver compliant service with prompt and accurate decisions.

What we’re looking for

• Good knowledge of Buy to Let lending, including Limited Company, HMO, and Multi Units.
• Strong understanding of the mortgage process.
• Ability to work under pressure and meet tight deadlines with a positive attitude.
• Experience in record/file management.
• Ability to work effectively as part of a team, as well as independently
• Independent Case Management; able to manage your cases successfully to completion
• Ability to prioritize tasks and workload effectively.
• Excellent communication skills.
• Adaptability and flexibility to accommodate changing business needs.
• Accountability, strong work ethic and a 'can do 'attitude

Qualifications and Experience

• Proven experience as a Mortgage Underwriter.
• Current or recent underwriting mandate.

Desirable

• Experience as a specialist Buy To Let Mortgage Underwriter
• Additional certifications in mortgage underwriting or related fields.
• Experience with business improvement activities.
• Familiarity with a wide range of mortgage products and lending strategies.

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, including Dental Cover.
• 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 recognized and celebrated.