Average Credit Underwriter salary in the UK

** 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 We're currently looking for experienced and motivated Underwriers to join our Lending Operations team. This role is a fantastic opportunity to deepen your impact at Kensington, working at the heart of our underwriting function and supporting our vision of delivering responsible and specialist lending with integrity. About Us At Kensington Mortgages, we've been leading the way in providing specialist mortgage solutions for over 25 years. We're dedicated to offering people a chance to secure a mortgage, especially when high street lenders say no. Our approach is all about understanding the unique circumstances of our customers - It is what we call the `Kensington Difference. As a wholly owned subsidiary of Barclays Bank UK PLC we are proud to operate with the highest standards of service and integrity, fully authorised by the Financial Conduct Authority Overall Purpose of Job As an Underwriter, you will assess and approve Residential and Buy-to-Let mortgage applications, ensuring they meet our lending policy, TCF principles, and FCA standards. You'll play a key role in risk-based decision making, maintaining high-quality underwriting standards and excellent broker communication. Key Accountabilities Underwrite and approve Residential and Buy to Let mortgage applications in accordance with the lending policy and within authorised mandate whilst adhering to all quality and service measures.Recommend any cases outside mandate to the management team and ensure all cases hold a robust documented rationale for the lending decision.Build and maintain strong working relationships with brokers, providing timely updates and clear communications throughout.Support Operations in ongoing User Acceptance Testing (UAT) phases .Ensure all actions and communications are in line with Treating Customers Fairly (TCF) and responsible lending principlesWork in partnership with the completions team to drive productivity through efficient and cohesive operationsUphold the company's Code of Business Ethics and fulfil responsibilities related to the prevention of financial crime, including money laundering, and fraud detection/reportingStay informed of changes to HR policies, external regulations, lending criteria and underwriting standards to support responsible lending decisionsMeet Service level agreements (SLA)Ensure that all complaints are handled in line with the Complaints Handling Procedures. Identify improvements to performance and the process, working with managers and other areas of the business.Undertake adhoc project work as directed by Underwriting Technical Manager or Head of Lending. Flexibility to assist the wider business as and when required Experience, Knowledge, Skills Experience in Prime and Specialist lending as an Underwriter holding a mandate of £200k minimum for a minimum of** 3 years.**Excellent communication skills with the confidence to engage effectively with brokers on application discussionsCommitted to acting with integrity and aligned with the principles of treating customers fairly.In-depth knowledge of the mortgage intermediary market and familiarity with relevant FCA permissionsStrong awareness of organised fraud and the systems and controls in place to mitigate such risksA proactive, hardworking and adaptable individual who can work independently while contributing positively as part of a teamDemonstrate a full understanding of responsible lending and regulatory knowledge applicable to the role. Able to prioritise effectively to manage multiple underwriting functions Desirable Experience, Knowledge, Skills Experience with Niche Buy to Let Lending, including HMOs, Light refurbishment and Multi Unit properties.Understanding of Second Charge lendingCeMAP qualified Why Join Kensington Mortgages At Kensington Mortgages, we believe our employees are the heart of our success. We are committed to creating a supportive and flexible work environment that values personal growth, professional development and a healthy work-life balance Our inclusive culture respects and celebrates diversity in all its forms, ensuring that everyone feels welcome, valued and understood. We recognise and appreciate differences in thinking, learning styles, gender, race, identity, ethnic origins and sexual expression. We are an inclusive, neurodiversity-friendly employer committed to creating a supportive environment where all employees can thrive Ready to make a difference? If you're passionate about providing an exceptional service and want to join a team that values your contributions we'd love to hear from you! Apply today and be part of the Kensington Mortgages family and help us to continue making a positive impact in the lives of our customers. Important Information Please note, all offers of employment for this role are subject to a series of background checks, including criminal (DBS), credit and Right to work checks. You must be able to commit to the start date of Monday 29th September and we ask no long periods of annual leave with the first few weeks of training

An excellent opportunity has become available for an experienced Underwriter to join a global financial services provider. The job is available on either a hybrid or remote working basis. As the business' underwriter, you will be responsible for a range of duties such as: Handle dealer enquiries professionally via phone and email. Support the conversion of declined finance applications into acceptable proposals within risk guidelines. Manage deferred applications by following up promptly and thoroughly. Assess referred finance proposals within delegated authority; escalate when needed. Interpret financial statements to make informed credit decisions. Investigate CIFAS alerts diligently and escalate potential fraud cases. Proactively flag operational issues and suggest practical solutions. Meet departmental KPIs and service standards. Collaborate across departments to support operational goals. Contribute flexibly to team tasks as required. Maintain compliance with internal policies, industry standards, and relevant legislation (e.g., Consumer Credit Act, Money Laundering, Data Protection). Actively safeguard the business against fraud and financial risk. To be considered for this role, you must have: Asset underwriting are insurance underwriting experience A keen eye for detail Strong communication skills A pro-active attitude The ability to work well in a team and independently Be a forward-thinking problem solver The successful candidate will be rewarded with a competitive salary, excellent career progression and potential bonus.

Robert Half are assisting UK's market leading insurance organisation to recruit a French Speaking Underwriter on a permanent basis Role Description This is a full-time hybrid role for a French Speaking Underwriter. The Underwriter will be responsible for assessing risks, evaluating insurance applications, and determining appropriate coverage levels. They will communicate with clients, brokers, and internal teams to ensure accurate underwriting decisions. Responsibilities The French Speaking Underwriter will provide a high standard of customer care.To carry out assessments and underwriting for financial protection bonds and policies and memberships to the standards set by the company.To maintain and develop a portfolio of clients. Assessing and Underwriting Assessing risks by analysis of prospective client's financial statements, bank positions, references and other supporting documentation.Preparing detailed assessments and visit reports for presentation recommending acceptance or rejection of prospective clients.Setting rates and conditions and finalising quotations.Reviewing and checking bonds, policies and membership certificates. Monitoring Monitoring client risks including periodic visits and telephone interviews under the direction of the underwriters.Reviewing bond and policy wordings and supporting documentation, as required by the underwriters.Overseeing the monitoring of clients by the underwriting assistants team and ensuring it meets the standards set by the company, as required by the underwriters. Administration Providing instruction to the underwriting assistants when required.Maintaining files and database information relating to clients, ensuring that all data is current, complete, and accurate. Customer Care Providing a high level of customer care and assistance to prospective and existing clients. This includes assisting clients with all aspects of an application.Responding in a knowledgeable and efficient manner to enquiries received. Also following up and concluding all enquiries.Liaising with intermediaries regarding the status of new and renewing applications. Profile: The French Speaking Underwriter will have a minimum 2 years of experience in insurance underwriting or a similar role. Skills & Competencies: The Underwriter must be able to speak fluent FrenchThe French Speaking Underwriter will have strong analytical and decision-making skills with the ability to interpret complex data.In-depth knowledge of insurance products, risk assessment, and underwriting principles.Proficiency in using underwriting software and tools.Excellent communication and negotiation skills.Detail-oriented with strong organisational and time management abilities.Ability to work independently and collaboratively in a fast-paced environment. Company UK's market leading insurance organisation with offices in LondonHybrid working - 2 days on-site - Central London based Profile Fluency in French and EnglishAnalytical and critical thinking skillsExcellent communication and interpersonal abilitiesDetail-oriented and organised approach to workKnowledge of financial guarantee insurance practices Salary & Benefits The salary range/rates of pay is dependent upon your experience, qualifications or training. Robert Half Ltd acts as an employment business for temporary positions and an employment agency for permanent positions. Robert Half is committed to diversity, equity and inclusion. Suitable candidates with equivalent qualifications and more or less experience can apply. Rates of pay and salary ranges are dependent upon your experience, qualifications and training. If you wish to apply, please read our Privacy Notice describing how we may process, disclose and store your personal data: gb/en/privacy-notice.