Underwriter – WFH Opportunity

Underwriter

We’re Hiring: Mortgage Underwriter

Location: Fully Remote (Including all training)
Type: Full Time, Permanent
Reports to: Underwriting Team Manager
Salary: Competitive
Start Date: 29th September 2025

About the Role

Kensington Mortgages is seeking experienced and motivated Mortgage Underwriters to join our Lending Operations team. This is a fantastic opportunity to make a real impact at the heart of our underwriting function, supporting our vision to deliver responsible and specialist lending with integrity.

About Us

For over 25 years, Kensington Mortgages has led the way in specialist mortgage solutions, helping customers secure mortgages even when high street lenders say no. Our unique approach — the Kensington Difference — focuses on understanding our customers’ individual circumstances.

As a wholly owned subsidiary of Barclays Bank UK PLC, we pride ourselves on upholding the highest standards of service and integrity. We are fully authorised and regulated by the Financial Conduct Authority (FCA).

Key Responsibilities

  • Underwrite and approve Residential and Buy-to-Let mortgage applications within lending policy and authorised mandate

  • Recommend cases outside mandate to management, ensuring robust documented rationale

  • Build and maintain strong broker relationships with timely and clear communications

  • Support Operations during User Acceptance Testing (UAT) phases

  • Adhere to Treating Customers Fairly (TCF) and responsible lending principles

  • Collaborate with completions team to drive operational productivity

  • Uphold the company’s Code of Business Ethics, including financial crime prevention and fraud detection

  • Stay updated on HR policies, regulations, lending criteria, and underwriting standards

  • Meet service level agreements (SLAs) and handle complaints in line with procedures

  • Undertake ad hoc projects as directed, providing flexibility to assist the wider business

Experience & Skills Required

  • Minimum 3 years’ experience as an Underwriter in Prime and Specialist lending with mandate of at least £200k

  • Excellent communication skills, confident in broker engagement

  • Strong commitment to integrity and Treating Customers Fairly principles

  • Deep knowledge of the mortgage intermediary market and FCA regulations

  • Awareness of organised fraud risks and mitigation controls

  • Proactive, adaptable, and able to work independently and collaboratively

  • Strong understanding of responsible lending and regulatory frameworks

  • Ability to prioritise multiple underwriting functions efficiently

Desirable Qualifications

  • Experience in Niche Buy-to-Let lending (HMOs, Light refurbishment, Multi-Unit properties)

  • Understanding of Second Charge lending

  • CeMAP qualified

Why Join Kensington Mortgages?

We believe our people are the key to our success. We offer a supportive and flexible work environment that values your personal growth, professional development, and work-life balance.

Our inclusive culture celebrates diversity in all its forms — thinking styles, gender, race, identity, ethnicity, and more. We are proud to be a neurodiversity-friendly employer committed to creating an environment where everyone can thrive.

Ready to Make a Difference?

If you’re passionate about delivering exceptional service and want to join a team that truly values your contribution, we want to hear from you!

Apply now to become part of the Kensington Mortgages family and help us make a positive impact in the lives of our customers.

Important Information

  • All offers are subject to background checks including DBS, credit, and Right to Work

  • Candidates must be available to start Monday, 29th September 2025

  • Minimal annual leave allowed during initial training period

Apply today and take the next step in your underwriting career with Kensington Mortgages!

To apply for this job email your details to info@flexforcerecruiters.co.uk.

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