Kind Consultancy is working with a well-established and respected Retail Financial Services organisation which is currently seeking a Self Build Mortgage Underwriting Specialist to join them in a full-time, permanent role paying up to £50,000 with a hybrid work model based in their Essex offices.

The Self Build Mortgage Underwriting Specialist will assess and approve self-build and custom-build mortgage applications, ensuring sound credit risk decisions while supporting customers through a complex, stage-based lending journey, with other key responsibilities including:

• Assessing land purchase, build costs, stage payments, and project viability
• Analysing income, affordability, credit profiles, and exit strategies
• Reviewing build schedules, cost breakdowns, and contingency plans
• Working closely with valuers, quantity surveyors, and technical teams
• Approving cases within mandate and refer complex/out-of-policy cases with rationale
• Monitoring stage release conditions and ongoing risk throughout the build
• Maintaining compliance with FCA, MCOB, and internal lending policies
• Liaising with brokers, customers, solicitors, and internal stakeholders

For the Self Build Mortgage Underwriting Specialist, we're looking for candidates who:

• Have strong manual underwriting experience including complex lending, self-build, development finance and/or bridging exposure
• Demonstrate a strong understanding of Build costs & project timelines, loan-to-cost (LTC) and loan-to-value (LTV) and risk mitigation in staged lending
• Possess the ability to assess non-standard income and complex cases
• Have excellent stakeholder management and communication skills, with strong attention to detail and the ability to make risk-based decisions
• Having experience of surveying or property finance would be desirable

If you're interested in the Self Build Mortgage Underwriting Specialist opportunity and you have the necessary skills, knowledge and experience and are based in or can commute to Essex, please apply with an updated CV today.