Loan Underwriter

Fintelligent Search; Cheadle; Hybrid; GBP 30,000 - 35,000; Full time

Benefits offered by this job

25 days holiday

Breakfast

Snacks

Health cover

Dental cover

Life assurance

Pension contributions

Birthday duvet day

Job summary

Fintelligent Search in South Manchester is seeking an Underwriter with experience in underwriting or secured lending to assess loan applications and support customers in choosing suitable finance solutions.

This hybrid role offers a £30,000–£35,000 base plus OTE up to £45,000, with two office days and three from home after probation. Benefits include 25 days’ holiday, private health and dental cover, life assurance and pension contributions.

Qualifications

• Previous underwriting or secured lending experience is preferred.

Responsibilities

• Assessing secured loan applications against lending criteria.
• Reviewing income, expenditure, affordability, credit history and supporting documentation.
• Completing due diligence and identifying potential risks or discrepancies.
• Making informed decisions within your authority and escalating cases where appropriate.
• Maintaining accurate, complete and compliant underwriting records.
• Liaising with customers, lenders and internal teams to obtain information and resolve queries.
• Managing multiple cases efficiently while meeting quality standards, targets and KPIs.
• Keeping up to date with relevant regulations, lending policies and underwriting practices.

Skills

Underwriting experience

Analytical skills

Attention to detail

Customer service

Communication skills

Job description

Underwriter – Secured Lending South Manchester | £30,000–£35,000 basic | Up to £45,000 OTE

Hybrid working after probation: 2 days in the office, 3 days from home

Are you experienced in underwriting or secured lending and looking for your next opportunity?

Join a growing financial technology business in South Manchester, where you’ll assess secured loan applications, make informed decisions and help customers access suitable financial solutions. You’ll benefit from ongoing development, a comprehensive benefits package and hybrid working following successful completion of probation.

About the business

Our client is an established financial technology platform with an international presence and millions of users worldwide. Combining technology with a customer-focused approach, the business helps people understand their credit and make informed financial decisions.

The role

As an Underwriter, you’ll manage applications through the underwriting process, balancing commercial objectives with responsible lending and strong customer outcomes.

Your responsibilities will include:

• Assessing secured loan applications against lending criteria.
• Reviewing income, expenditure, affordability, credit history and supporting documentation.
• Completing due diligence and identifying potential risks or discrepancies.
• Making informed decisions within your authority and escalating cases where appropriate.
• Maintaining accurate, complete and compliant underwriting records.
• Liaising with customers, lenders and internal teams to obtain information and resolve queries.
• Managing multiple cases efficiently while meeting quality standards, targets and KPIs.
• Keeping up to date with relevant regulations, lending policies and underwriting practices.

What we’re looking for:

• Previous underwriting or secured lending experience is preferred.
• Strong analytical skills and sound judgement when reviewing financial information.
• Excellent attention to detail and a methodical approach to case assessment.
• Confident communication skills and a commitment to customer service.
• The ability to manage competing priorities in a fast-paced environment.
• A performance-driven approach without compromising quality or compliance.
• Flexibility to work shifts when required.

Package and benefits:

• £30,000–£35,000 basic salary, with OTE up to £45,000.
• Hybrid working after probation: 2 office days and 3 home-working days.
• 25 days’ holiday, plus a birthday duvet day.
• Private health and dental cover, including mental health support.
• Life assurance and up to 4% matched pension contributions.
• Daily breakfast, complimentary snacks and a range of discounts.
• Ongoing learning and development, including leadership-led training.

If you’re looking to develop your underwriting career within a growing, technology-led business, we’d love to hear from you.