Loan Underwriter

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

Benefits offered by this job

Hybrid after probation

25 days holiday

Health & dental cover

Life assurance

Pension matching

Breakfast & snacks

Job summary

Fintelligent Search in the South Manchester area is seeking an experienced Underwriter for Secured Lending. The role involves assessing loan applications, balancing risk with customer needs, and supporting compliant decision-making.

Hybrid working is offered after probation, with two days in the office and three days from home. The successful candidate will review income, expenditure, affordability and credit history, and maintain thorough underwriting records.

Qualifications

• 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.
• 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.

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

Communication skills

Prioritisation

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.