At a Glance
- Tasks: Assess and underwrite mortgage applications, ensuring smooth customer journeys.
- Company: Award-winning financial services organisation in Manchester city centre.
- Benefits: Competitive salary, bonus scheme, hybrid work options, and career progression support.
- Other info: Join a supportive culture with regular social events and team-building activities.
- Why this job: Make a real impact on people's financial goals while advancing your career.
- Qualifications: 12 months' experience in loan processing or underwriting required.
The predicted salary is between 32500 - 32500 £ per year.
Manchester City Centre (M1) £32,500 Basic Salary + Competitive Bonus Office Based | Hybrid Options Available Following Probation
Time Recruitment is proud to be acting as a preferred supplier on behalf of a highly successful and award-winning financial services organisation. Are you an experienced loan processor, underwriter, or finance professional looking to take the next step in your career? Do you thrive in a fast-paced environment where every application is different and where your decisions genuinely help people achieve their financial goals? Our client is transforming the lending landscape, offering tailored financial solutions to homeowners across the UK. Due to continued growth, they are seeking an ambitious Mortgage Underwriters to join their expanding Manchester city centre team. This is an excellent opportunity to join a business that invests heavily in its people, offers genuine career progression opportunities, and provides support towards professional qualifications.
The Opportunity
As a Mortgage Underwriter, you'll take ownership of a pipeline of second charge mortgage applications from submission through to final decision. You'll assess cases individually, analyse supporting documentation, and make responsible lending decisions while ensuring outstanding customer outcomes. Working closely with brokers, advisers, and customers, you'll play a key role in delivering a smooth, efficient, and compliant lending journey.
Key Responsibilities
- Manually assess and underwrite second charge mortgage applications.
- Review and verify financial information and supporting documentation.
- Request additional evidence where required and challenge information appropriately.
- Make fair and balanced lending decisions based on customer circumstances.
- Maintain accurate and detailed application records.
- Liaise with customers, brokers, and internal stakeholders throughout the application process.
- Ensure all activity remains compliant with regulatory requirements and company standards.
- Deliver against agreed performance targets and quality measures.
- Promote positive customer outcomes at every stage of the underwriting journey.
What We're Looking For
Essential Experience
- At least 12 months' experience assessing or processing loan applications.
- Previous experience within second charge lending, specialist lending, motor finance, or a similar regulated environment.
- Experience working within a KPI-driven, target-focused environment.
- Proven ability to manage multiple cases while maintaining excellent attention to detail.
- Strong communication and customer service skills.
Desirable Skills
- Confidence in questioning and challenging supporting evidence.
- Understanding of adverse credit profiles and vulnerable customer considerations.
- Excellent problem-solving abilities.
- Strong numerical and analytical skills.
- Good working knowledge of Microsoft Office applications.
- Ability to make informed decisions in a fast-paced environment.
What's In It For You?
- Competitive basic salary plus bonus scheme.
- Structured career progression with clear development pathways.
- Funding and support towards CeMAP qualification.
- Hybrid working options following successful completion of probation.
- Up to 25 days annual leave plus bank holidays.
- Your birthday off every year.
- Healthcare cash plan.
- Company pension with employer matching contributions.
- Regular social events and team-building activities.
- Supportive, collaborative culture that genuinely invests in your future.
Why Apply?
This is more than just an underwriting role. It's an opportunity to join a growing organisation where your contribution is recognised, your development is encouraged, and your career progression is taken seriously. If you're currently working within underwriting, loan processing, motor finance, specialist lending, or a related financial services environment and are looking for a company that will support your long-term career ambitions, we'd love to hear from you.
Mortgage Underwriter in Manchester employer: Time Recruitment Careers
The Skipton Academy is an excellent employer that values quality workmanship and professionalism, offering a supportive work culture where attention to detail is paramount. Employees benefit from competitive pay rates and the opportunity to contribute to a vibrant educational environment, fostering both personal and professional growth. Working at The Skipton Academy not only allows you to showcase your skills but also to be part of a community dedicated to excellence in education.
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter 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 Time Recruitment Careers. 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 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 Time Recruitment Careers.
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 Time Recruitment Careers'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 Time Recruitment Careers
✨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 Time Recruitment Careers.
✨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 Time Recruitment Careers 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 Time Recruitment Careers 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.
