Underwriting Manager in City of London

LiveMore exists to challenge the unfair NOs in the mortgage world. Our mission is to empower mortgage brokers to lend more by turning NOs into YESs and maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come.

Using our unique LiveMore Mortgage Matcher® and LiveMore Maximum Borrowing Calculator decision engine technology, we excel at overcoming challenges involving affordability, risk and Consumer Duty. We innovate for customers and mortgage brokers in need, where others don’t – like with LiveMore’s current mortgages ‘up to’, ‘into’ and ‘in’ retirement.

LiveMore is an innovative company with ambitious plans, and we know that our people are the key to achieving our goals. As evidence of our growth, last year, we were recognised as one of the Top 100 Fastest Growing Companies in the UK by the Business Leaders 500 and we will lend in excess of £600m this year.

We live by four core behaviours that shape our culture and guide our success:

• Commitment – going the extra mile for brokers, customers, and colleagues.
• Agility – adapting quickly, embracing innovation, and staying ahead in a dynamic market.
• Humility – valuing collaboration, listening actively, and learning continuously.
• Openness – communicating transparently and welcoming diverse perspectives.

If these behaviours resonate with you, you’ll thrive here.

Purpose: Own the end-to-end application journey—from application received to Mortgage Offer issuance—while leading the day-to-day operations of the underwriting team. Drive commercial outcomes by ensuring fair, consistent, and timely decisions, high first-line QA, strong broker relationships, and effective collaboration with Sales. Inspire and influence the team to perform at a level they didn’t think possible, while embedding a culture of accountability, continuous improvement, and high performance.

Key Responsibilities:

• Inspiring Leadership: Motivate and influence the team to exceed expectations, fostering a high-performance culture where individuals achieve results beyond their perceived limits.
• Commercial & Operational Leadership: Manage daily workflow, allocate cases, monitor SLAs, and resolve operational issues with a focus on efficiency.
• Application Journey Ownership: Oversee full lifecycle from intake to offer, ensuring accurate assessments and timely outputs that support business growth.
• Performance Management & Development: Lead, coach, and mentor the underwriting team; set clear objectives, manage performance, and create tailored development plans to build capability and expertise.
• Broker Management & Internal Collaboration: Act as escalation point for broker referrals and partner closely with Sales/BDM teams to optimise conversion and broker satisfaction.
• First Line Quality Assurance: Conduct and supervise QA checks, root cause analysis, and implement improvement actions to enhance quality and reduce risk.
• Risk, Compliance & Controls: Ensure adherence to policy, regulatory frameworks, and exception governance while maintaining a strong control environment.
• Process Effectiveness: Review existing processes, identify and contribute towards process enhancement and efficiency.

Key Performance Indicators:

• SLA adherence and offer turnaround time
• Broker satisfaction and referral turnaround
• Complaint rate and audit outcomes
• Team performance metrics and development progress
• Commercial Impact: Underwriting decisions that optimise conversion rates

Required Skills and Experience:

• Proven leadership in underwriting and credit operations, with a track record of driving performance within a Specialist Mortgage environment.
• Credible technical authority – Proven track record and technical understanding of complex income, adverse credit and non-standard property. Ability to apply judgement, guide and lead where cases fall outside advertised criteria.
• Operational Excellence in a Scale Up Environment – Overall responsibility for UW pipelines, SLA’s and overcoming volume-based service demands.
• Excellent communicator and able to provide clear and concise recommendations to the Credit Committee at transaction level, ensuring strong rationale provided.
• Experience in contract variations such as Porting and Product Transfer and post offer mortgage conditions.
• Existing lending mandate essential up to £750,000 in residential lending.
• Data Insight – Utilising data to make informed evidence-based decisions.
• Experience using AI tools to assist building scalable and efficient Underwriting processes.

Why Join Us?

• Exciting Industry: Work in a cutting-edge environment that’s transforming the lending landscape. We are the proud winners of numerous awards, as voted for by our brokers in 2025.
• Career Development: Opportunity to gain hands-on experience and grow with the company as we scale. Benefit from structured quarterly career planning meetings with your Line Manager to support you with opportunities for professional development and promotion.
• Dynamic Environment: Join a fast-paced scale-up with a collaborative and supportive culture with the opportunity to make a direct impact.

Benefits:

• Growth Shares – a stake in the company
• 30 days holiday plus bank holidays
• Health cash plan
• Salary Sacrifice pension scheme
• Employee assistance programme
• A supportive and collaborative working environment with a Wellbeing Calendar focused on supporting mental, physical and financial wellbeing.