At a Glance
- Tasks: Manually underwrite loan applications and make informed lending decisions.
- Company: A growing specialist lender in Birmingham with a collaborative culture.
- Benefits: Salary up to £45,000, hybrid working, and clear progression opportunities.
- Other info: Join a dynamic team with a focus on professional development.
- Why this job: Gain autonomy in your decisions and impact real lending cases.
- Qualifications: Experience in manual underwriting and strong attention to detail.
The predicted salary is between 36000 - 54000 £ per year.
Location: Birmingham (Hybrid – 3 days in office)
Job Type: Full-time, Permanent
Looking for more autonomy and real influence in your underwriting decisions? We’re working with a growing specialist lender based in Birmingham that values experienced underwriters who can apply sound judgement, not just tick boxes. They’re looking to hire a Manual Underwriter to join their credit team and play a key role in responsible, case‑by‑case lending decisions.
What You’ll Be Doing:
- Manually underwriting residential and secured loan applications
- Reviewing complex cases, including self‑employed and credit‑impaired borrowers
- Assessing affordability, credit history, and supporting documents
- Liaising with brokers and internal teams to gather and clarify information
- Making fair, well‑documented decisions in line with policy and regulation
- Supporting improvements to underwriting process and policy
What They’re Looking For:
- Proven experience in manual underwriting for specialist lending, mortgages, or secured loans
- Strong understanding of affordability, credit risk, and income assessment
- Confident decision‑maker with strong attention to detail
- Good working knowledge of FCA regulations and Treating Customers Fairly
- Able to commit to three days per week in the Birmingham office
- Background in bridging, buy‑to‑let, or second charge lending
- CeMAP or equivalent industry qualification (preferred, not essential)
Why Apply?
- Salary up to £45,000 depending on experience
- Hybrid working – 3 days in the office, 2 from home
- Join a growing, specialist lender with a collaborative team culture
- Clear scope for progression and professional development
Interested? Apply now or contact us for a confidential chat.
Mortgage Underwriter in Birmingham employer: Vivo Talent Solutions
Vivo Talent Solutions is an exceptional employer, offering a dynamic work culture that values collaboration and innovation in the heart of Birmingham. With a strong focus on employee growth, we provide comprehensive training and development opportunities, ensuring our team members thrive in their careers while enjoying a competitive salary and flexible hybrid working arrangements.
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter in Birmingham
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, especially those who work with specialist lenders. A friendly chat can lead to insider info about job openings that aren't even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of FCA regulations and Treating Customers Fairly. We want you to show off your expertise in manual underwriting and how you make sound decisions based on complex cases.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values. Check out our website for roles that match your skills and where you can really make an impact in underwriting decisions.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can keep you top of mind. Share any additional thoughts you have about the role or how you can contribute to their team culture.
We think you need these skills to ace Mortgage Underwriter in Birmingham
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experience that match the Mortgage Underwriter role. Highlight your manual underwriting experience and any relevant qualifications, like CeMAP, to show us you’re the right fit!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about underwriting and how your decision-making skills can contribute to our team. Keep it concise but impactful!
Showcase Your Attention to Detail:As an underwriter, attention to detail is key. In your application, make sure to demonstrate this by avoiding typos and ensuring all information is accurate. We want to see that you take pride in your work!
Apply Through Our Website:We encourage you to apply directly through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Vivo Talent Solutions
✨Know Your Stuff
Make sure you brush up on your manual underwriting knowledge, especially around residential and secured loans. Familiarise yourself with the specific lending criteria and regulations, like FCA guidelines, so you can confidently discuss how you apply sound judgement in your decision-making.
✨Showcase Your Experience
Prepare to share specific examples from your past roles that highlight your experience with complex cases, such as self-employed or credit-impaired borrowers. Use the STAR method (Situation, Task, Action, Result) to structure your answers and demonstrate your problem-solving skills.
✨Ask Insightful Questions
Think of questions that show your interest in the company and the role. For instance, ask about their approach to improving underwriting processes or how they support their team in making fair lending decisions. This not only shows your enthusiasm but also helps you gauge if the company is the right fit for you.
✨Be Ready for Scenario-Based Questions
Expect to face scenario-based questions where you'll need to demonstrate your decision-making process. Practice articulating how you would assess affordability and credit history in various situations, ensuring you highlight your attention to detail and ability to make well-documented decisions.
