Manual Underwriter
Location: Birmingham (Hybrid - 3 days in office)
Sector: Specialist Lending
Salary: Up to £45,000 per annum
Job Type: Full-time, Permanent

Looking for more autonomy and real influence in your underwriting decisions?

We're working with a growing specialist lender based in Birmingham that values experienced underwriters who can apply sound judgement, not just tick boxes. They're looking to hire a Manual Underwriter to join their credit team and play a key role in responsible, case-by-case lending decisions.

What You'll Be Doing:

Manually underwriting residential and secured loan applications

Reviewing complex cases, including self-employed and credit-impaired borrowers

Assessing affordability, credit history, and supporting documents

Liaising with brokers and internal teams to gather and clarify information

Making fair, well-documented decisions in line with policy and regulation

Supporting improvements to underwriting process and policy

What They're Looking For:

Proven experience in manual underwriting for specialist lending, mortgages, or secured loans

Strong understanding of affordability, credit risk, and income assessment

Confident decision-maker with strong attention to detail

Good working knowledge of FCA regulations and Treating Customers Fairly

Able to commit to three days per week in the Birmingham office

Desirable:

Background in bridging, buy-to-let, or second charge lending

CeMAP or equivalent industry qualification (preferred, not essential)

Why Apply?

Salary up to £45,000 depending on experience

Hybrid working - 3 days in the office, 2 from home

Join a growing, specialist lender with a collaborative team culture

Clear scope for progression and professional development

Interested? Apply now or contact us for a confidential chat