Mortgage Underwriter

Miryco are delighted to be partnering with a growing mortgage provider making a huge splash in the UK and European mortgage market

This role sits within a growing mortgage business focused on asset deployment through mortgage origination.

We are seeking a highly experienced and detail-oriented Mortgage Underwriter with a strong understanding of the UK mortgage market.

The successful candidate will assess mortgage applications in line with lending criteria, conduct affordability assessments, and ensure regulatory compliance.

Key Responsibilities

• Assess and underwrite residential mortgage applications in line with internal policies and industry regulations, ensuring balanced and well-informed decisions.
• Conduct comprehensive affordability assessments, including the analysis of income, expenditure, credit history, and overall financial suitability.
• Evaluate properties against lending criteria, while demonstrating a wider market understanding of acceptable property types and risks.
• Collaborate with external partners—brokers, customers, surveyors, and conveyancers—and coordinate with internal teams to satisfy all lending requirements ahead of fund release.
• Stay informed about industry developments, product updates, and changes to the regulatory landscape in the UK mortgage market.
• Maintain detailed, accurate records of underwriting decisions to support audit and compliance processes.
• Contribute to continuous improvement initiatives, including refining underwriting processes, policies, and risk controls.
• Present updates and recommendations to internal committees where required.
• Support other areas of the business and provide guidance to colleagues as needed.

Skills & Experience

Required:

• Minimum of 5 years’ underwriting experience.
• Proven ability to perform thorough affordability assessments, including evaluation of credit searches, bank statements, financial records, and property valuations.
• Strong knowledge of lending criteria and regulatory standards.
• Excellent attention to detail and a structured approach to risk assessment.
• Effective multitasking and prioritisation abilities.
• Strong analytical, decision-making, and communication skills.

Preferred:

• Relevant qualifications such as CeMAP or RICS (AssocRICS / MRICS / FRICS).
• Experience working with mortgage underwriting platforms or case management systems.

For all other roles please Miryco's LinkedIn page