Mortgage Underwriter

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

Benefits offered by this job

Fully funded CeMAP qualification

Hybrid working after probation

25 days' annual leave

Healthcare cash plan

Pension scheme with up to 5% employer

Monthly performance bonus

Job summary

Fintelligent Search is seeking a Mortgage Underwriter in the United Kingdom to join a growing specialist lender. You will assess second-charge mortgage applications and ensure they meet lending criteria while documenting and progressing cases to completion.

The role offers structured training, funded CeMAP qualification and a clear long-term career progression, with a hybrid working pattern after probation and a competitive monthly bonus.

Qualifications

• 12 months' experience assessing or processing loan, mortgage or finance applications.
• Experience reviewing income and expenditure information as part of a lending process.
• Previous experience within lending, mortgages, financial services or another regulated environment.
• Strong attention to detail and the ability to assess information accurately.
• Good communication skills, with confidence liaising with customers and internal teams.
• A structured and organised approach to managing multiple cases and deadlines.
• A genuine interest in developing a career in mortgage lending and underwriting.

Responsibilities

• Review and manually assess second-charge mortgage applications in line with lending criteria.
• Verify customer documentation and request further information where required.
• Assess income, expenditure and affordability to support responsible lending decisions.
• Identify potential risks, inconsistencies or missing information within applications.
• Maintain accurate and up-to-date case records throughout the application process.
• Liaise with customers and internal stakeholders to progress cases efficiently.
• Manage a caseload in line with agreed service levels, quality standards and KPIs.
• Ensure all work is completed in accordance with company processes, regulatory requirements and responsible lending principles.
• Develop your knowledge of specialist lending and underwriting through structured training and hands-on experience.

Skills

Attention to detail

Communication skills

Organised

Career development

Tools

CeMAP

Job description

Mortgage Underwriter-Hybrid Working After Probation | Funded CeMAP | Genuine Career Progression

Are you experienced in assessing or processing lending applications and looking to build a long-term career in mortgage underwriting?

We are recruiting for a Mortgage Underwriter to join a growing specialist lender. This is an excellent opportunity to develop your underwriting expertise within second-charge mortgage lending, with structured training, funded qualifications and clear opportunities to progress.

You will play a key role in assessing and progressing mortgage applications, ensuring every case is reviewed accurately, responsibly and in line with lending criteria. In return, you will receive ongoing support, a competitive monthly bonus and the opportunity to work on a hybrid basis once you have successfully completed probation.

Package & Benefits:

• £32,000-£33,500 basic salary
• Monthly performance bonus, with OTE of £38,000+
• Hybrid working after probation, including two days per week 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

Structured training and genuine long-term career progression

About the Company

You will be joining a growing specialist financial services business that provides tailored lending solutions to UK homeowners.

The organisation is committed to responsible lending, excellent customer outcomes and investing in its people. You will work as part of a collaborative, supportive team where quality, accuracy and customer service are central to everything they do.

With ongoing investment in employee development, this is a business where you can build specialist knowledge in mortgage lending and progress your career over time.

The Role

As a Mortgage Underwriter, you will be responsible for reviewing and progressing second-charge mortgage applications from initial assessment through to completion.

You will assess customer circumstances, income, expenditure and supporting documentation to ensure applications meet lending criteria and deliver fair customer outcomes. Working closely with customers and internal stakeholders, you will ensure cases are accurately documented and progressed within agreed service levels.

Key Responsibilities for the Mortgage Underwriter:

• Review and manually assess second-charge mortgage applications in line with lending criteria.
• Verify customer documentation and request further information where required.
• Assess income, expenditure and affordability to support responsible lending decisions.
• Identify potential risks, inconsistencies or missing information within applications.
• Maintain accurate and up-to-date case records throughout the application process.
• Liaise with customers and internal stakeholders to progress cases efficiently.
• Manage a caseload in line with agreed service levels, quality standards and KPIs.
• Ensure all work is completed in accordance with company processes, regulatory requirements and responsible lending principles.
• Develop your knowledge of specialist lending and underwriting through structured training and hands-on experience.

About You

To be successful in this Mortgage Underwriter role, you will ideally have:

• At least 12 months' experience assessing or processing loan, mortgage or finance applications.
• Experience reviewing income and expenditure information as part of a lending process.
• Previous experience within lending, mortgages, financial services or another regulated environment.
• Strong attention to detail and the ability to assess information accurately.
• Good communication skills, with confidence liaising with customers and internal teams.
• A structured and organised approach to managing multiple cases and deadlines.
• A genuine interest in developing a career in mortgage lending and underwriting.

Applicants with experience in motor finance, consumer lending, secured loans, second-charge mortgages, loan processing or case management are also encouraged to apply.

Interested?

If you are looking for your next opportunity as a Mortgage Underwriter, Loan Underwriter, Loan Processor, Case Manager or Loan Officer, this could be an excellent opportunity to develop your career within specialist lending.

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