At a Glance
- Tasks: Manage mortgage applications, verify documentation, and make lending decisions.
- Company: Join Evolution Money, a Certified B Corp redefining financial inclusion.
- Benefits: Competitive salary, supportive team, and opportunities for growth.
- Other info: Inclusive culture that values diversity and encourages personal development.
- Why this job: Make a real impact in financial empowerment and customer outcomes.
- Qualifications: 12 months experience in loan processing and strong communication skills.
The predicted salary is between 29700 - 36300 £ per year.
As a Mortgage Underwriter - Second Charge you'll actively manage a pipeline of applications from completion of application to authorisation.
You'll be responsible for manually underwriting loan applications, communicating with customers, brokers and our Mortgage Advice team to verify documentation, review and conclude lending decisions.
Our Underwriting team work closely with our Mortgage Advice team to progress applications quickly and accurately, ensuring good customer outcomes.
We're friendly, supportive and fast paced with the drive to bring out your best.
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
- 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.
Minimum 12 months experience assessing or processing loan applications - ideally in second charge lending or motor finance.
- Additional
- The ability to effectively question and challenge evidence presented
- Attention to detail.
- Experience in identifying vulnerable customer 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
Evolution Money is a Certified B Corp with a social purpose.
At Evolution Money, 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.
Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those who might be overlooked by conventional financial institutions., Join us on our journey to redefine financial inclusivity.
As we continue to evolve, so do the possibilities for those we serve.
Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone.
At Evolution Money, 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.
We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately disadvantage protected groups, and which are not justified by the demands of the role.
Everyone is welcome at Evolution Money!
We are proud in creating an inclusive and diverse culture in our Evo Team community.
We want to ensure that you feel comfortable and can give your best throughout the recruitment process.
We encourage applications from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require.
Please visit our careers site for additional information, along with contact details to reach us directly.
Just search 'Evolution Money careers'
Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum criteria for the role.
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Mortgage Underwriter - Second Charge in Manchester employer: Evolution Money
At Evolution Money, we pride ourselves on being a Certified B Corp with a strong social purpose, dedicated to redefining financial inclusion. Located in the vibrant Manchester City Centre, we offer a supportive work culture that values creativity and collaboration, alongside excellent employee benefits such as up to 25 days of annual leave, a healthcare cash plan, and opportunities for professional growth. Join us in our mission to empower individuals through bespoke lending solutions while enjoying a workplace that champions diversity and inclusion.
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter - Second Charge in Manchester
✨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 Evolution Money. 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 Mortgage Underwriter - Second Charge in Manchester
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 Evolution Money.
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 Evolution Money'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 Evolution Money
✨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 Evolution Money.
✨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 Evolution Money 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 Evolution Money 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.
