At a Glance
- Tasks: Manually underwrite loan applications and assess complex cases with a focus on responsible lending.
- Company: A growing specialist lender in Birmingham with a collaborative team culture.
- Benefits: Salary up to £45,000, hybrid working, and opportunities for professional development.
- Other info: Clear progression opportunities in a dynamic and evolving industry.
- Why this job: Make impactful lending decisions while developing your skills in a supportive environment.
- Qualifications: Experience in manual underwriting and strong attention to detail required.
The predicted salary is between 45000 - 45000 £ per year.
Mortgage Underwriter
Location: Birmingham (Hybrid – 3 days in office)
Sector: Specialist Lending
Salary: Up to £45,000 per annum
Job Type: Full-time, Permanent
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
Desirable:
- 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.
StudySmarter Expert Advice🤫
We think this is how you could land Underwriter in Birmingham
✨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 Vivo Talent Solutions. 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 Underwriter in Birmingham
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 Vivo Talent Solutions.
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 Vivo Talent Solutions'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 Vivo Talent Solutions
✨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 Vivo Talent Solutions.
✨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 Vivo Talent Solutions 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 Vivo Talent Solutions 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.
