Mortgage Underwriter in Manchester

Company: Evolution Money

Location: Manchester City Centre, M1

5 days per week onsite, hybrid working options available after successful completion of probation (minimum 3 days per week onsite). Operating hours 9am to 7pm.

Job Type: Full-time

Basic Salary: £32,548 plus competitive bonus scheme.

About Us: Evolution Money is a Certified B Corp with a social purpose. Our mission is to redefine financial inclusion by providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial well-being.

The Role: As a Mortgage Underwriter Second Charge, you will actively manage a pipeline of applications from completion of application to authorisation. You will be responsible for manually underwriting loan applications, communicating with customers, brokers, and our Mortgage Advice team to verify documentation, review, and conclude lending decisions.

Responsibilities:

• Reviewing and manually underwriting second charge mortgage applications in line with regulatory standards, company policies, procedures, and guidelines.
• Examining supporting documentation, verifying accuracy, and requesting additional information as necessary.
• Accurately updating customer records and application details.
• Assessing every customer on their individual circumstances and the evidence presented, to ensure good customer outcomes.
• Communicating clearly with customers throughout the process, answering customer enquiries and providing timely updates to all stakeholders.
• Achievement of minimum KPI Requirements and Targets.

Minimum Essential:

• Minimum 12 months experience assessing or processing loan applications - ideally in second charge lending or motor finance.
• Evidenced ability to thrive in a fast-paced KPI / target driven environment.
• Experience meeting consistent quality standards while handling a large volume of customer cases.

Additional:

• The ability to effectively question and challenge evidence presented.
• Attention to detail.
• Experience in identifying vulnerable customers and working with adverse credit indicators.
• Strong communication skills, both verbal and written.
• Detail-oriented with strong data accuracy.
• Problem-solving skills.
• Good numeracy and Microsoft Office skills.

What you get in return:

• Excellent career progression opportunities, including pathway to our Mortgage Advice team.
• Funding and support available to gain CeMAP Mortgage Advice qualification.
• Excellent social events.
• Up to 25 days annual leave + bank holidays.
• Your birthday off, every year!
• A healthcare cash plan.
• A contributory pensions scheme, matched up to 5%.

Company Culture: Join us on our journey to redefine financial inclusivity. We value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional results and creating a positive impact in the financial services industry. We believe in fostering a work environment that encourages growth, learning, and teamwork.

We are committed to encouraging equality, diversity, and inclusion and aim to create a working environment where every employee is respected. We will provide fairness and respect to all our prospective employees, and all hiring decisions are based on merit.

Everyone is welcome at Evolution Money! We are proud of creating an inclusive and diverse culture in our Evo Team community. We encourage applications from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require.

Evolution Money is a Disability Confident Committed employer. We offer interviews to anyone with a disability who meets the minimum criteria for the role.