Mortgage Underwriter — Hybrid After Probation + CeMAP

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

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.