Commercial Mortgage Underwriter

Location: London Office, hybrid working

Company

hirify.global is a UK fintech focused on providing lending products and services to established small and medium-sized enterprises.

What you will do

• Underwrite commercial mortgage, commercial investment loan, and leasehold property loan applications in line with credit policy, regulatory requirements, and delegated lending authority.
• Manage applications from initial enquiry through completion, coordinating with applicants, brokers, valuers, solicitors, Credit, Operations, and Relationship Management teams.
• Prepare clear credit documentation and recommendations, escalating applications outside personal discretion or credit policy to the appropriate authority.
• Monitor controls, credit risk, concentration risk, arrears, collections, and the quality of security documentation before draw-down.
• Maintain mortgage pipeline MI and KPI reporting, identify process improvements, and support credit policy development.
• Deliver a high-quality service while maintaining strong relationships with customers, brokers, internal stakeholders, and third-party suppliers.

Requirements

• Experience or exposure to underwriting in the SME sector, with knowledge of the SME market and competitor landscape.
• Strong credit and financial analysis skills, including analysis of financial accounts, budgets, and cash-flow forecasts.
• Understanding of loan underwriting risks and the ability to make commercial decisions within delegated discretion.
• Experience presenting or escalating cases at Credit Committee level and managing arrears.
• Strong analytical, verbal, written communication, and stakeholder relationship-building skills.
• Knowledge of regulatory requirements, credit procedures, TCF, AML, KYC, Conduct risk, controls, and service levels.

Culture & Benefits

• Hybrid and flexible working options.
• Full onboarding support and continued development opportunities.
• Pension contributions, private health cover, life assurance, and a discretionary bonus scheme.
• Family-friendly policies, including enhanced maternity and paternity leave.
• Regular social activities and an inclusive workplace focused on diversity and employee wellbeing.