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Mortgage Underwriter
Job Posted: 24 days ago
Salary: £ Competitive
Job Type: Permanent
Location: Birmingham
Expire in: 3 days
Job Description
Mortgage Underwriter
Location: Birmingham (Hybrid - 3 days in office)
Sector: Specialist Lending
Salary: Up to £45,000 per annum
Job Type: Full-time, Permanent
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 chatBefore You Apply
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Looking for your next career move? Join a top company hiring Mortgage Underwriter job near me in Birmingham! This is your chance to work on exciting projects, grow professionally, and enjoy a rewarding career with competitive pay and excellent benefits. Whether you're an experienced professional or looking to take the next step, this role offers the perfect opportunity to enhance your skills and make an impact. Don’t miss out—apply today via Vita CV and take your career to the next level!
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