Mortgage Underwriter

Time Recruitment; Lancashire; Hybrid; GBP 29,000 - 36,000; Full time

Benefits offered by this job

Hybrid working options

Healthcare cash plan

Company pension

Birthday day off

Job summary

Time Recruitment is seeking a Mortgage Underwriter for a Manchester City Centre role. You will own a pipeline of second charge mortgage applications from submission to final decision, reviewing documents and ensuring compliant, customer-centric outcomes.

Ideal candidates have at least 12 months of experience in loan processing or underwriting within regulated environments, and strong numerical/analytical skills.

Qualifications

• 12+ months experience assessing or processing loan applications.
• Experience in second charge lending or related regulated fields.
• Experience in KPI-driven environments.
• Ability to manage multiple cases with high attention to detail.
• Strong communication and customer service skills.

Responsibilities

• Manually assess and underwrite second charge mortgage applications.
• Review and verify financial information and supporting documentation.
• Request additional evidence where required and challenge information as needed.
• Make fair lending decisions based on customer circumstances.
• Maintain detailed and accurate application records.
• Liaise with customers, brokers and internal stakeholders throughout the process.
• Ensure activity complies with regulatory requirements and company standards.
• Meet performance targets and quality metrics.
• Promote positive customer outcomes at all stages of underwriting.

Skills

Loan processing

Underwriting

Second charge lending

KPI driven environment

Customer service

Communication skills

Education

CeMAP qualification

Tools

Microsoft Office

Job description

Mortgage Underwriter

Manchester City Centre (M1) £32,500 Basic Salary + Competitive Bonus Office Based Hybrid Options Available Following Probation

Are you an experienced loan processor, underwriter, or finance professional looking to take the next step in your career? Do you thrive in a fast-paced environment where every application is different and where your decisions genuinely help people achieve their financial goals?

Our client is transforming the lending landscape, offering tailored financial solutions to homeowners across the UK. Due to continued growth, they are seeking an ambitious Mortgage Underwriters to join their expanding Manchester city centre team.

This is an excellent opportunity to join a business that invests heavily in its people, offers genuine career progression opportunities, and provides support towards professional qualifications.

The Opportunity

As a Mortgage Underwriter, you'll take ownership of a pipeline of second charge mortgage applications from submission through to final decision. You'll assess cases individually, analyse supporting documentation, and make responsible lending decisions while ensuring outstanding customer outcomes.

Working closely with brokers, advisers, and customers, you'll play a key role in delivering a smooth, efficient, and compliant lending journey.

Key Responsibilities

• Manually assess and underwrite second charge mortgage applications.
• Review and verify financial information and supporting documentation.
• Request additional evidence where required and challenge information appropriately.
• Make fair and balanced lending decisions based on customer circumstances.
• Maintain accurate and detailed application records.
• Liaise with customers, brokers, and internal stakeholders throughout the application process.
• Ensure all activity remains compliant with regulatory requirements and company standards.
• Deliver against agreed performance targets and quality measures.
• Promote positive customer outcomes at every stage of the underwriting journey.

What We're Looking For

Essential Experience

• At least 12 months' experience assessing or processing loan applications.
• Previous experience within second charge lending, specialist lending, motor finance, or a similar regulated environment.
• Experience working within a KPI-driven, target-focused environment.
• Proven ability to manage multiple cases while maintaining excellent attention to detail.
• Strong communication and customer service skills.

Desirable Skills

• Confidence in questioning and challenging supporting evidence.
• Understanding of adverse credit profiles and vulnerable customer considerations.
• Excellent problem-solving abilities.
• Strong numerical and analytical skills.
• Good working knowledge of Microsoft Office applications.
• Ability to make informed decisions in a fast-paced environment.

What's In It For You?

• Competitive basic salary plus bonus scheme
• Structured career progression with clear development pathways
• Funding and support towards CeMAP qualification
• Hybrid working options following successful completion of probation
• Up to 25 days annual leave plus bank holidays
• Your birthday off every year
• Healthcare cash plan
• Company pension with employer matching contributions
• Regular social events and team-building activities
• Supportive, collaborative culture that genuinely invests in your future

Why Apply?

This is more than just an underwriting role. It's an opportunity to join a growing organisation where your contribution is recognised, your development is encouraged, and your career progression is taken seriously.

If you're currently working within underwriting, loan processing, motor finance, specialist lending, or a related financial services environment and are looking for a company that will support your long-term career ambitions, we'd love to hear from you.