Mortgage Underwriter
CV-LibraryManchester City CentrepermanentPosted: 2 April 2026
Apply NowMortgage Underwriter
Location: Manchester City Centre (M1)
Contract: Full‑time, office‑based during probation with hybrid options afterwards Salary: £32,548 + performance‑based bonus
Overview
This role involves assessing second‑charge mortgage applications from initial submission through to final approval. You'll be responsible for carrying out detailed manual underwriting, reviewing documentation, and ensuring each case meets regulatory and internal lending standards. The position requires strong communication skills, as you'll work closely with customers, brokers, and internal teams to progress applications efficiently and fairly.
The environment is supportive, fast‑paced, and focused on delivering accurate decisions and positive customer outcomes.
Key Responsibilities
Manually underwrite second‑charge mortgage applications in line with regulatory requirements and internal lending criteria
Review supporting documents, verify accuracy, and request additional information when needed
Maintain accurate and up‑to‑date records throughout the application process
Assess each case individually, considering the customer's circumstances and evidence provided
Communicate clearly with customers and stakeholders, providing updates and responding to queries
Work towards agreed KPIs and performance targets
Essential Experience
At least 12 months' experience assessing or processing loan applications (second charge or motor finance preferred)
Proven ability to work effectively in a target‑driven environment
Experience handling a high volume of cases while maintaining quality and accuracy
Additional Skills & Attributes
Strong questioning and analytical skills
Excellent attention to detail
Ability to identify vulnerable customers and recognise adverse credit indicators
Clear and confident communication skills, both written and verbal
High level of accuracy when working with data
Good problem‑solving ability
Competent numeracy skills and familiarity with Microsoft Office
What's Offered
Clear progression pathways, including opportunities to move into mortgage advice roles
Support and funding available to obtain CeMAP qualifications
Regular social events
Up to 25 days annual leave plus bank holidays
Birthday leave each year
Healthcare cash plan
Pension scheme with employer contributions up to 5%
For further information please contact Amanda at Time Recruitment
Location: Manchester City Centre (M1)
Contract: Full‑time, office‑based during probation with hybrid options afterwards Salary: £32,548 + performance‑based bonus
Overview
This role involves assessing second‑charge mortgage applications from initial submission through to final approval. You'll be responsible for carrying out detailed manual underwriting, reviewing documentation, and ensuring each case meets regulatory and internal lending standards. The position requires strong communication skills, as you'll work closely with customers, brokers, and internal teams to progress applications efficiently and fairly.
The environment is supportive, fast‑paced, and focused on delivering accurate decisions and positive customer outcomes.
Key Responsibilities
Manually underwrite second‑charge mortgage applications in line with regulatory requirements and internal lending criteria
Review supporting documents, verify accuracy, and request additional information when needed
Maintain accurate and up‑to‑date records throughout the application process
Assess each case individually, considering the customer's circumstances and evidence provided
Communicate clearly with customers and stakeholders, providing updates and responding to queries
Work towards agreed KPIs and performance targets
Essential Experience
At least 12 months' experience assessing or processing loan applications (second charge or motor finance preferred)
Proven ability to work effectively in a target‑driven environment
Experience handling a high volume of cases while maintaining quality and accuracy
Additional Skills & Attributes
Strong questioning and analytical skills
Excellent attention to detail
Ability to identify vulnerable customers and recognise adverse credit indicators
Clear and confident communication skills, both written and verbal
High level of accuracy when working with data
Good problem‑solving ability
Competent numeracy skills and familiarity with Microsoft Office
What's Offered
Clear progression pathways, including opportunities to move into mortgage advice roles
Support and funding available to obtain CeMAP qualifications
Regular social events
Up to 25 days annual leave plus bank holidays
Birthday leave each year
Healthcare cash plan
Pension scheme with employer contributions up to 5%
For further information please contact Amanda at Time Recruitment