At a Glance
- Tasks: Assess and process second charge mortgage applications with a focus on responsible lending.
- Company: Join a growing specialist lender committed to excellent customer outcomes.
- Benefits: Competitive salary, monthly bonuses, hybrid working, and fully funded CeMAP qualification.
- Other info: Collaborative team environment with clear progression opportunities and structured training.
- Why this job: Build a long-term career in financial services with genuine support for your development.
- Qualifications: Experience in assessing loan applications and strong attention to detail required.
The predicted salary is between 32000 - 33500 £ per year.
If you have experience assessing or processing lending applications and are looking to build a long-term career within financial services, this Underwriter opportunity offers the chance to join a growing specialist lender where your development is genuinely supported.
You will gain valuable experience across second charge mortgage lending, develop your understanding of underwriting and responsible lending. With a competitive monthly bonus, structured training and clear progression opportunities, this is an excellent opportunity to take the next step in your lending career.
Hybrid working is available following probation, giving you the flexibility to work from home two days per week once you are fully established in the role.
Package & Benefits for the Underwriter:
- £32,000 - £33,500 basic salary
- Monthly performance bonus with OTE of £38,000+
- Hybrid working after probation, including two days working from home
- Fully funded CeMAP qualification
- 25 days annual leave, plus bank holidays and your birthday off
- Healthcare cash plan
- Pension scheme with up to 5% employer contribution
About the Company:
You will be joining a growing specialist financial services business providing tailored lending solutions to UK homeowners. The organisation is committed to responsible lending, excellent customer outcomes and investing in its people. You will work within a collaborative team where quality and customer service are important, while being given the training and support needed to develop your lending expertise and progress your career.
The Role as an Underwriter:
You will play an important role in assessing and progressing second charge mortgage applications. You will work closely with customers and internal stakeholders to ensure applications are accurately assessed, well documented and progressed within agreed service levels.
Key Responsibilities for the Underwriter:
- Review and manually assess second charge mortgage applications in line with lending criteria
- Verify customer documentation and request additional information where required
- Assess income, expenditure and affordability to support responsible lending decisions
- Review applications carefully to identify any risks, inconsistencies or missing information
- Maintain accurate and up-to-date case records throughout the application process
- Liaise with customers and internal stakeholders to progress applications efficiently
- Manage a caseload against agreed service levels, quality standards and KPIs
- Develop your knowledge of specialist lending and underwriting through structured training and hands-on experience
Experience needed for the Underwriter role:
- At least 12 months experience assessing or processing loan or finance applications
- Experience reviewing income and expenditure information as part of a lending process
- Previous experience within lending, mortgages, financial services or a related environment
- Strong attention to detail and the ability to assess information accurately
- Good communication skills with the confidence to liaise with customers and internal teams
- A structured and organised approach to managing multiple cases
- A genuine interest in developing your knowledge of mortgage lending and underwriting
- Experience in motor finance, consumer lending or other lending environments will also be considered.
Interested? If you are looking for your next opportunity as a Loan Processor, Mortgage Underwriter, Loan Officer or Case Manager, this could be an excellent opportunity to develop your career within specialist lending. Click Apply and submit your most recent CV for consideration.
Underwriter employer: All The Top Bananas
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StudySmarter Expert Advice🤫
We think this is how you could land Underwriter
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like All The Top Bananas. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to All The Top Bananas.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on All The Top Bananas's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at All The Top Bananas
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with All The Top Bananas.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at All The Top Bananas will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former All The Top Bananas employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
