Mortgage Underwriter
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Position Overview & Specifications
Job Title: Underwriter
Location: Fleet, Hampshire
Hybrid working of 2x days per week at home post probation
Salary: £30,000 - £35,000
About Fleet Mortgages
Fleet Mortgages is a major player in the specialist Buy to Let Mortgage market. Having recently been acquired by Starling Bank we have exciting plans to grow our business and are looking for quality individuals to join our Underwriting Team.
Who are we looking for?
Experience in the Buy to let Mortgage industry would be an advantage, but we have an excellent training structure so will welcome talented decision-makers who have a desire to provide great service, an eye for detail and are willing and excited to learn.
- Previous experience of working within the mortgage industry with a strong underwriting or completions background.
- Proven ability to exercise good commercial and professional judgment.
- Excellent communication skills, both written and verbal.
- PC literate with a good knowledge of Microsoft Office products including Word, Excel, PowerPoint and Outlook.
- CeMAP preferred or a willingness to study.
Job Purpose
You will be responsible for liaising with brokers to progress mortgage applications from initial receipt through to mortgage offer. In making your decision, you will be involved in ensuring relevant information has been received about both the potential borrower and property to assess both meet Fleet’s criteria and are suitable for lending.
This is a varied role and requires good decision-making and communication skills whilst also needing individuals with an excellent eye for detail. Upon successful completion of your training, you will be mandated up to £500,000.
What we can offer you
- Hybrid working post probation
- 11% non-contributory pension scheme
- 25 days annual leave plus bank holidays
- Discretionary annual bonus
- Private Medical Insurance
- Life Assurance
- Income Protection Scheme
- Enhanced Maternity and Paternity pay and more
We also offer the opportunity to gain formally recognised industry qualifications within a team oriented and friendly business.
Job Types: Full-time, Permanent
Salary: £30,000.00-£35,000.00 per year
Benefits:
- Company pension
- Free flu jabs
- Life insurance
- Paid volunteer time
- Private medical insurance
- Referral programme
- Sick pay
- Work from home
Schedule:
- Monday to Friday
Supplemental pay types:
- Yearly bonus
Ability to commute/relocate:
- Fleet: reliably commute or plan to relocate before starting work (required)
Work Location: Hybrid remote in Fleet
Candidate Selection & Onboarding Process
Application & Resume Screening
Submit your tailored CV/Resume directly to the talent acquisition portal.
Technical & Competency Interviews
Virtual interviews with the hiring manager and multidisciplinary team.
Formal Offer & Benefits Negotiation
Written agreement outlining compensation, equity, retirement vesting, and relocation allowances.
Onboarding & Corporate Integration
Equipment provisioning, team orientation, and commencement of duties.
United Kingdom Right to Work & Skilled Worker Visa Guide
Employment in the United Kingdom requires legal Right to Work verified under the Home Office Points-Based Immigration System:
Sponsoring employers must hold an active Home Office A-rated Sponsor License and assign a valid Certificate of Sponsorship (CoS). Role must meet the general minimum salary threshold (£38,700) or occupation going rate.
Continuous employment under Skilled Worker status establishes eligibility for Indefinite Leave to Remain (ILR) after 5 continuous years, leading to British Citizenship.
Candidate Preparation Blueprint: Banking & Lending
Based on transatlantic hiring benchmarks for Mortgage Underwriter roles across Fleet Mortgages's corporate sector, successful applicants typically excel across three core dimensions:
Demonstrated portfolio evidence, architecture/system design case studies, or validated professional certifications directly applicable to Banking & Lending.
STAR method competency responses highlighting cross-functional leadership, conflict resolution, and delivering measurable enterprise ROI under tight timelines.
Total compensation expectation aligned within the benchmarked £30,000 - £35,000 bracket, including retirement vesting and health parity.
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