Credit Underwriter

About the Role

InterQuest are looking for an experienced Buy-to-Let Underwriter to join a collaborative and fast-growing challenger bank focused on empowering SMEs and intermediaries through innovative lending solutions. In this role, you’ll work closely with teams across Product, Risk, and Operations to assess and underwrite a diverse range of BTL applications — including portfolio landlords, complex properties, and corporate structures.

As part of a small and ambitious team, you’ll play a key role in shaping the Bank’s growing BTL proposition by bringing insight, commerciality, and a risk-aware mindset to each lending decision.

Key Responsibilities

• Assess new lending applications against risk appetite and policy, preparing detailed underwriting notes and making timely credit decisions within your delegated authority.
• Communicate outcomes clearly and constructively to internal stakeholders across Relationship Management and Operations.
• Review documentation for completeness, compliance with credit policy, and regulatory alignment (including PRA and FCA standards).
• Provide feedback and raise queries related to underwriting decisions, supporting intermediaries with clarity and professionalism.
• Contribute to the ongoing development of underwriting procedures, processes, and systems.
• Support service excellence and adherence to SLAs and OKRs, identifying process improvement opportunities from a customer and internal perspective.

What We’re Looking For

• Strong experience underwriting both simple and complex BTL loans, including for HMO/MUB properties and limited company structures.
• Currently hold a Delegated Lending Authority of at least £1,200,000.
• Confident in manual underwriting across various BTL asset classes.
• In-depth understanding of regulatory and compliance requirements within a UK banking environment.
• Excellent analytical, risk assessment, and decision-making skills with a strong attention to detail.
• Collaborative, communicative, and eager to contribute to a customer-first culture.
• Proficient with Excel and confident managing time and competing priorities effectively.

InterQuest Group is acting as an employment agency for this vacancy. InterQuest Group is an equal opportunities employer and we welcome applications from all suitably qualified persons regardless of age, disability, gender, religion/belief, race, marriage, civil partnership, pregnancy, maternity, sex or sexual orientation. Please make us aware if you require any reasonable adjustments throughout the recruitment process.