Positive Lending
Experienced Mortgage Underwriters
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Company Description
Positive Lending is a specialist property finance broker established in 2008, focused on delivering excellent customer outcomes and genuine value to financial intermediaries. With a team of over 40 finance professionals and more than £1bn in arranged mortgages, the company supports thousands of intermediaries and their clients in securing suitable loan solutions. The team brings over 300 years of combined experience from leading blue-chip financial institutions, ensuring consistent expertise and high-quality service. Positive Lending offers whole-of-market access in its areas of specialism, leveraging strong lender relationships and substantial intermediary distribution power. Directly authorised by the Financial Conduct Authority, the company maintains a progressive, compliance-driven culture and a commitment to a positive customer journey.
Role Description
This is a full-time, hybrid role for Experienced Mortgage Underwriters based in Ringwood, with some work-from-home flexibility. The role involves assessing and underwriting a range of mortgage applications, ensuring that each case meets lending criteria, regulatory requirements, and internal risk standards. Day-to-day responsibilities include:
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- Reviewing documentation
- Performing affordability and credit risk assessments
- Analyzing complex income and property structures
- Making responsible lending decisions
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The underwriters will liaise with brokers, lenders, and internal teams to clarify requirements, resolve queries, and progress cases efficiently. The role also includes maintaining accurate records, contributing to continuous process improvement, and supporting a strong compliance and customer-outcome focus.
Qualifications
- Strong knowledge of the Mortgage Industry, including products, regulatory environment, and intermediary-led distribution.
- Proven experience in Mortgage Underwriting, with a track record of managing complex or specialist cases.
- Practical experience working with a range of Mortgages, including residential, buy-to-let, and specialist property finance.
- Advanced Analytical Skills for assessing risk, interpreting financial information, and making sound credit decisions.
- Excellent attention to detail and accuracy in documentation and case management.
- Strong communication and collaboration skills for working with brokers, lenders, and internal stakeholders.
- Comfort with hybrid working, including the ability to manage workload independently and meet deadlines.
- Familiarity with FCA regulations and best practices in compliant underwriting; relevant professional qualifications (e.g., CeMAP or equivalent) are an advantage.
- Previous experience in a specialist brokerage or lender underwriting environment is highly beneficial.
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