Mortgage Underwriter

Livemoremortgages; Glasgow; Hybrid; GBP 45,000 - 65,000; Full time

Job summary

A leading mortgage provider in Glasgow seeks a skilled Underwriter to ensure exceptional performance and compliance in underwriting processes. The role emphasizes assessing cases, leading a small team, and driving improvements in risk assessment. Candidates should have proven experience in underwriting and strong communication abilities, with an openness to collaboration. This position offers a hybrid working model and opportunities for professional development in a supportive environment.

Benefits

Health cash plan

Growth Shares

Salary Sacrifice pension scheme

Employee assistance programme

Wellbeing Calendar

Qualifications

• Experience in a senior or specialist underwriting role.
• Willingness to support and collaborate with colleagues.

Responsibilities

• Assess and approve underwriting cases against policy and risk appetite.
• Ensure compliance with regulatory standards.
• Provide leadership and coaching to the underwriting team.

Skills

Proven experience in underwriting

Strong communication skills

Stakeholder engagement

Knowledge of regulatory frameworks

Leadership abilities

Job description

Reports to: Head of Underwriting

Location: Glasgow: 3 days in the office

Contract Type: Permanent

Deadline: 5pm, 14 January 2026

LiveMore exists to challenge the unfair NOs in the mortgage world. That’s why our mission is to empower mortgage brokers to lend more by turning NOs into YESs and by maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come.

Using our unique LiveMore Mortgage Matcher® and LiveMore Maximum Borrowing Calculator decision engine technology, we excel at overcoming challenges involving affordability, risk and Consumer Duty. We innovate for customers and mortgage brokers in need, where others don’t – like with LiveMore’s current mortgages ‘up to’, ‘into’ and ‘in’ retirement.

LiveMore is an innovative company with ambitious plans, and we know that our people are the key to achieving our goals. As evidence of our growth, in June 2025 we were recognised as one of the Top 100 Fastest Growing Companies in the UK by the Business Leaders 500 and we will lend in excess of £600m this year.

We live by four core behaviours that shape our culture and guide our success:

• Commitment – going the extra mile for brokers, customers, and colleagues.
• Agility – adapting quickly, embracing innovation, and staying ahead in a dynamic market.
• Humility – valuing collaboration, listening actively, and learning continuously.
• Openness – communicating transparently and welcoming diverse perspectives.

If these behaviours resonate with you, you’ll thrive here.

Purpose

This position is primarily responsible for delivering exceptional underwriting performance and ensuring compliance with regulatory and internal standards. The core focus of the role is underwriting, with an opportunity to provide guidance and support to the Glasgow underwriting team (three team members). Leadership experience is a bonus, but not a requirement — we welcome applications from strong underwriters who are keen to collaborate and contribute to team success.

Location

• Based in Glasgow three days per week (hybrid working model).
• Remaining days can be working from home.

Key Responsibilities

Underwriting (Primary Focus)

• Assess and approve cases in line with policy and risk appetite.
• Ensure accuracy, fairness, and compliance in all underwriting decisions.
• Drive continuous improvement in underwriting processes and risk assessment.

Leadership (Secondary Focus)

• Provide leadership to the Glasgow underwriting team of three, including coaching and performance coaching.
• Support team development and engagement while maintaining focus on personal underwriting responsibilities.
• Collaborate with cross-functional teams to support strategic objectives.
• Maintain compliance with all regulatory requirements and internal governance frameworks.

Skills & Experience

• Proven experience in underwriting, ideally in a senior or specialist capacity.
• Leadership experience is advantageous but not essential — a willingness to support and collaborate with colleagues is key.
• Strong communication and stakeholder engagement skills.
• Knowledge of regulatory frameworks and risk management principles.
• Health cash plan
• Growth Shares
• Salary Sacrifice pension scheme
• Employee assistance programme
• A supportive and collaborative working environment with a Wellbeing Calendar focused on supporting mental, physical and financial wellbeing
• Structured quarterly career planning meetings with your Line Manager to support you with opportunities for professional development and promotion