Senior Mortgage Underwriter – Remote, High-Value Lending in Manchester

Eventus Recruitment are seeking an Underwriter to join a highly regarded Building Society based in Manchester. This is a permanent, full-time Underwriter job working Monday to Friday, 9am-5pm, within a predominantly remote working model with approximately one day per month in the Manchester office. This Underwriter job offers a salary of up to £45,000 depending on experience, alongside a strong benefits package, flexible working culture and the opportunity to work within a collaborative and supportive underwriting environment. This opportunity has arisen due to continued growth, creating a need for an experienced Underwriter who is confident making lending decisions and assessing cases on their individual merits within the Manchester-based team.

Job Responsibilities:

• Assessing mortgage applications and supporting documentation to determine creditworthiness and lending risk
• Making informed and timely underwriting decisions in line with internal policies and regulatory requirements
• Handling complex lending cases including high net worth, self-employed, Buy to Let, HMO, self-build, expat and development finance applications
• Managing an active pipeline of mortgage applications efficiently and accurately
• Communicating underwriting decisions clearly to brokers, customers and internal teams
• Collaborating with processing, business development and wider stakeholders to deliver excellent service
• Maintaining accurate and compliant records of all underwriting decisions
• Keeping up to date with market trends, regulatory changes and underwriting best practice

Person Specification:

• Minimum of two years' experience within a mortgage underwriting environment
• Proven experience handling complex lending cases, particularly within higher value lending between £1m-£3m
• Strong analytical skills with the ability to interpret financial information and assess risk effectively
• Confident decision-maker who can assess cases on their merits rather than relying solely on criteria-based systems
• Excellent communication skills, both written and verbal, with the ability to engage directly with brokers and customers
• Comfortable with telephone and face-to-face communication in a professional environment
• Ability to manage workload independently and prioritise effectively within a regulated setting
• Proficiency in underwriting systems and Microsoft Office applications
• CeMAP or relevant financial qualification is desirable

Benefits & Rewards:

• Salary up to £45,000 depending on experience
• 25 days holiday plus bank holidays
• Holiday exchange scheme allowing the option to buy or sell leave
• Performance-dependent annual bonus
• Company pension scheme with 5% employee and 8.5% employer contributions
• Life assurance and income protection
• Flexible and supportive working culture with predominantly remote working
• Access to mental health first aiders and wellbeing support
• Ongoing professional development and career progression opportunities

About The Company:

The employer is a well-established Building Society with a strong reputation for delivering personalised financial solutions and maintaining high standards of customer service. Operating with a mutual ethos, the hiring company is committed to supporting its members, communities and employees through a collaborative and inclusive working environment. This Building Society places a strong emphasis on individuality, teamwork and long-term impact. Employees are encouraged to contribute ideas, take ownership of their work and play an active role in shaping the future of the organisation. With a people-first culture and a focus on doing what is right for clients, this is an excellent opportunity for an Underwriter seeking a meaningful and rewarding position in Manchester.

Next Steps:

Apply now if your skills and experience align with this job. Alternatively, if you are interested in learning about this career enhancing job opportunity, please contact Duncan McIlroy at the Eventus Recruitment Group for a confidential discussion. If this job isn't quite right for you but you are looking for a new position, please contact me at the details above for a confidential discussion on your career. The Eventus Recruitment Group are award-winning recruitment specialists operating across the UK and Ireland in the Legal, Finance and Financial Services sectors. Please note, the years' experience and / or salary are listed in our advertisements as a guide. We are happy to consider applications from all candidates who are able to demonstrate the skills necessary to fulfil the role. As an equal opportunities employer we welcome applications from candidates of all backgrounds and circumstances.