Mortgage Underwriter

Evolution Money Ltd; Manchester; Hybrid; GBP 27,000 - 35,000; Full time

Benefits offered by this job

CeMAP training

Pension 5%

25 days leave

Birthday day off

Job summary

Evolution Money Ltd in Manchester seeks a Mortgage Underwriter – Second Charge to manage a pipeline from application to authorisation. You will underwrite cases, verify documents, and communicate with customers, brokers and the Advice team to reach timely lending decisions.

The role offers a realistic progression path, CeMAP funding opportunities, and a hybrid working model after probation, with initial onsite work. Strong accuracy and customer-focused approach are essential.

Qualifications

• Minimum 12 months experience assessing or processing loan applications, ideally in second charge lending or motor finance.
• Ability to thrive in a fast-paced KPI/target-driven environment.
• Strong attention to detail with data accuracy.

Responsibilities

• Review and manually underwriting second charge mortgage applications to regulatory standards and company policies.
• Examine supporting documentation and request information as needed.
• Update customer records accurately and communicate with customers and stakeholders.
• Assess each applicant on their circumstances to ensure good outcomes.
• Meet minimum KPI requirements and targets.
• Provide timely updates and clear responses to customers.

Skills

Mortgage underwriting

Regulatory knowledge

Customer communication

Education

CeMAP qualification

Tools

Microsoft Office

Job description

Location: Manchester City Centre, M1 – 5 days per week onsite, hybrid working options available after successful completion of probation (minimum 3 days per week onsite). Operating hours 9am to 7pm.

Job Type: Full-time

Basic Salary: £32,548 plus competitive bonus scheme.

About Us

Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those who might be overlooked by conventional financial institutions.

The Role

As a Mortgage Underwriter – Second Charge you’ll actively manage a pipeline of applications from completion of application to authorisation. You’ll be responsible for manually underwriting loan applications, communicating with customers, brokers and our Mortgage Advice team to verify documentation, review and conclude lending decisions.

Our Underwriting team work closely with our Mortgage Advice team to progress applications quickly and accurately, ensuring good customer outcomes. We’re friendly, supportive and fast paced with the drive to bring out your best.

Responsibilities

• Reviewing and manually underwriting second charge mortgage applications in line with regulatory standards, company policies, procedures and guidelines.
• Examining supporting documentation, verifying accuracy and requesting additional information as necessary.
• Accurately updating customer records and application details.
• Assessing every customer on their individual circumstances and the evidence presented, to ensure good customer outcomes.
• Communicating clearly with customers throughout the process, answering customer enquiries and providing timely updates to all stakeholders.
• Achievement of minimum KPI Requirements and Targets
• Minimum 12 months experience assessing or processing loan applications - ideally in second charge lending or motor finance.
• Evidenced ability to thrive in a fast-paced KPI / target driven environment.
• Experience meeting consistent quality standards while handling a large volume of customer cases.

Additional

• The ability to effectively question and challenge evidence presented
• Experience in identifying vulnerable customer and working with adverse credit indicators.
• Strong communication skills, both verbal and written
• Detail-oriented with strong data accuracy
• Good Numeracy and Microsoft office skills

What you get in return

• Excellent career progression opportunities, including pathway to our Mortgage Advice team.
• Funding and support available to gain CeMAP Mortgage Advice qualification.
• Up to 25 days’ annual leave + bank holidays
• Your birthday off, every year!
• A contributory pensions scheme, matched up to 5%

Company Culture

Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve. Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional results and creating a positive impact in the financial services industry. We believe in fostering a work environment that encourages growth, learning, and teamwork.

We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is respected.

We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit.

We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately disadvantage protected groups, and which are not justified by the demands of the role.

Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require. Please visit our careers site for additional information, along with contact details to reach us directly. Just search ‘Evolution Money careers’

Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum criteria for the role.

£27,415 to £35,154, dependant on CeMAP qualification.