Loan Underwriter | Hybrid Working After Probation | Funded CeMAP | Genuine Career Progression
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’ll 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’re fully established in the role.
Package & Benefits for the Loan 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’ll 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’ll 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’ll play an important role in assessing and progressing second charge mortgage applications. You’ll 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 Loan 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’re 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.
JL_FIN
Loan Underwriter in Manchester employer: Fintelligent Careers
Join a dynamic financial services group that offers the unique opportunity to lead and build a new insurance division from the ground up. With a strong emphasis on entrepreneurial freedom, you will benefit from an established client network, comprehensive support, and a meaningful equity opportunity, all within a culture that fosters growth and innovation. This role not only allows for strategic leadership but also positions you at the forefront of creating long-term value in the commercial and real estate insurance sectors.
StudySmarter Expert Advice🤫
We think this is how you could land Loan Underwriter in Manchester
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Fintelligent Careers). A thoughtful message explaining your interest can really make a difference!
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Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
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Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Fintelligent Careers. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Fintelligent Careers.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Fintelligent Careers. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Fintelligent Careers
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Fintelligent Careers to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Fintelligent Careers, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Fintelligent Careers's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
