Mortgage 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