Credit underwriting isn’t one market. The lender matters.
Residential. Buy-to-let. Specialist.
A Credit Underwriter in one lender can be doing a very different job from someone with the same title somewhere else. Level of mandate, manual assessment, complexity of income, customer profile, lending policy and the amount of actual underwriting involved all matter.
Garfield Stephens focuses primarily on Credit Underwriters across residential mortgage and buy-to-let lending, with selective work across specialist lending.
The job title only tells you so much.
There’s a meaningful difference between working within a heavily automated process and making manual credit decisions. Between straightforward residential cases and portfolio BTL. Between working within a mandate and handling technical referrals.
And between someone who can underwrite a case and someone who can help shape how underwriting is done. Those differences matter when hiring.
Hiring Credit Underwriters?
Garfield Stephens works with lenders looking for experienced Credit Underwriters, Senior and Mandated Underwriters, technical expertise and underwriting leadership. The search is focused on the environment the person has actually worked in—not just whether their CV contains the right job title.
Discuss a Credit Underwriting hireThinking about what might be next?
You don’t have to be actively job hunting. You might simply be wondering whether there are roles offering more manual underwriting, a broader mandate, more complex cases, progression, management responsibility, better flexibility, or a lender and environment that suits you better.
Sometimes it’s useful just to know what’s happening in the market.
A few underwriting questions rather than the usual recruitment form. No CV needed to start the conversation.