Mortgage Underwriter

Vivo Talent

  • Birmingham
  • £45,000 per year
  • Permanent
  • Full-time
  • 1 month ago
  • Apply easily
Manual Underwriter
Location: Birmingham (Hybrid - 3 days in office)
Sector: Specialist Lending
Salary: Up to £45,000 per annum
Job Type: Full-time, PermanentLooking for more autonomy and real influence in your underwriting decisions?We're working with a growing specialist lender based in Birmingham that values experienced underwriters who can apply sound judgement, not just tick boxes. They're looking to hire a Manual Underwriter to join their credit team and play a key role in responsible, case-by-case lending decisions.What You'll Be Doing:Manually underwriting residential and secured loan applicationsReviewing complex cases, including self-employed and credit-impaired borrowersAssessing affordability, credit history, and supporting documentsLiaising with brokers and internal teams to gather and clarify informationMaking fair, well-documented decisions in line with policy and regulationSupporting improvements to underwriting process and policyWhat They're Looking For:Proven experience in manual underwriting for specialist lending, mortgages, or secured loansStrong understanding of affordability, credit risk, and income assessmentConfident decision-maker with strong attention to detailGood working knowledge of FCA regulations and Treating Customers FairlyAble to commit to three days per week in the Birmingham officeDesirable:Background in bridging, buy-to-let, or second charge lendingCeMAP or equivalent industry qualification (preferred, not essential)Why Apply?Salary up to £45,000 depending on experienceHybrid working - 3 days in the office, 2 from homeJoin a growing, specialist lender with a collaborative team cultureClear scope for progression and professional developmentInterested? Apply now or contact us for a confidential chat.

LogicMelon