Mortgage Underwriter

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.

• 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

• 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)

• 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