Loan Underwriter

Fintelligent Search; Manchester; Hybrid; GBP 32,000 - 34,000; Full time

Benefits offered by this job

Hybrid working after probation

CeMAP funded qualification

25 days leave + holidays + birthday

Healthcare cash plan

Pension scheme with employer contrib

Job summary

Fintelligent Search is recruiting a Loan Underwriter in the UK who will assess and progress second charge mortgage applications. You’ll work with customers and internal teams to ensure documentation is complete and decisions are sound.

The role offers hybrid working after probation, a structured training path, and a clear progression plan within a growing specialist lender focused on responsible lending and excellent customer outcomes.

Qualifications

• 12+ months experience assessing or processing loan or finance applications.
• Experience reviewing income and expenditure information as part of a lending process.
• Experience in lending, mortgages, financial services or related environments.

Responsibilities

• Review and manually assess second charge mortgage applications in line with lending criteria.
• Verify customer documentation and request additional information where required.
• Assess income, expenditure and affordability to support responsible lending decisions.
• Review applications to identify risks, inconsistencies or missing information.
• Maintain accurate and up-to-date case records throughout the process.
• Liaise with customers and internal stakeholders to progress applications efficiently.
• Manage a caseload against service levels, quality standards and KPIs.
• Develop knowledge of specialist lending and underwriting through training and hands-on experience.

Skills

Mortgage underwriting

Income & expenditure analysis

Customer communication

Attention to detail

Lending guidelines

Education

CeMAP qualification

Job description

Loan Underwriter | Hybrid Working After Probation | Funded CeMAP | Genuine Career Progression

If you have experience assessing or processing lending applications and are looking to build a long-term career within financial services, this Underwriter opportunity offers the chance to join a growing specialist lender where your development is genuinely supported.

You’ll gain valuable experience across second charge mortgage lending, develop your understanding of underwriting and responsible lending. With a competitive monthly bonus, structured training and clear progression opportunities, this is an excellent opportunity to take the next step in your lending career.

Hybrid working is available following probation, giving you the flexibility to work from home two days per week once you’re fully established in the role.

Package & Benefits for the Loan Underwriter

• £32,000 - £33,500 basic salary
• Monthly performance bonus with OTE of £38,000+
• Hybrid working after probation, including two days working from home
• Fully funded CeMAP qualification
• 25 days’ annual leave, plus bank holidays and your birthday off
• Healthcare cash plan
• Pension scheme with up to 5% employer contribution

About the Company

You’ll be joining a growing specialist financial services business providing tailored lending solutions to UK homeowners.

The organisation is committed to responsible lending, excellent customer outcomes and investing in its people. You’ll work within a collaborative team where quality and customer service are important, while being given the training and support needed to develop your lending expertise and progress your career.

The Role as an Underwriteryou’ll play an important role in assessing and progressing second charge mortgage applications. You’ll work closely with customers and internal stakeholders to ensure applications are accurately assessed, well documented and progressed within agreed service levels.

Key Responsibilities for the Loan Underwriter

• Review and manually assess second charge mortgage applications in line with lending criteria
• Verify customer documentation and request additional information where required
• Assess income, expenditure and affordability to support responsible lending decisions
• Review applications carefully to identify any risks, inconsistencies or missing information
• Maintain accurate and up-to-date case records throughout the application process
• Liaise with customers and internal stakeholders to progress applications efficiently
• Manage a caseload against agreed service levels, quality standards and KPIs
• Develop your knowledge of specialist lending and underwriting through structured training and hands‑on experience

Experience needed for the Underwriter role

• At least 12 months’ experience assessing or processing loan or finance applications
• Experience reviewing income and expenditure information as part of a lending process
• Previous experience within lending, mortgages, financial services or a related environment
• Strong attention to detail and the ability to assess information accurately
• Good communication skills with the confidence to liaise with customers and internal teams
• A structured and organised approach to managing multiple cases
• A genuine interest in developing your knowledge of mortgage lending and underwriting
• Experience in motor finance, consumer lending or other lending environments will also be considered.