Mortgage Underwriter
| Posting date: | 02 April 2026 |
|---|---|
| Salary: | £32,548 per year |
| Hours: | Full time |
| Closing date: | 02 May 2026 |
| Location: | M1 |
| Remote working: | On-site only |
| Company: | Time Recruitment Solutions Ltd |
| Job type: | Permanent |
| Job reference: | 74500-64706 |
Summary
Mortgage Underwriter
Location: Manchester City Centre (M1)
Contract: Full‑time, office‑based during probation with hybrid options afterwards Salary: £32,548 + performance‑based bonus
Overview
This role involves assessing second‑charge mortgage applications from initial submission through to final approval. You'll be responsible for carrying out detailed manual underwriting, reviewing documentation, and ensuring each case meets regulatory and internal lending standards. The position requires strong communication skills, as you'll work closely with customers, brokers, and internal teams to progress applications efficiently and fairly.
The environment is supportive, fast‑paced, and focused on delivering accurate decisions and positive customer outcomes.
Key Responsibilities
• Manually underwrite second‑charge mortgage applications in line with regulatory requirements and internal lending criteria
• Review supporting documents, verify accuracy, and request additional information when needed
• Maintain accurate and up‑to‑date records throughout the application process
• Assess each case individually, considering the customer's circumstances and evidence provided
• Communicate clearly with customers and stakeholders, providing updates and responding to queries
• Work towards agreed KPIs and performance targets
Essential Experience
• At least 12 months' experience assessing or processing loan applications (second charge or motor finance preferred)
• Proven ability to work effectively in a target‑driven environment
• Experience handling a high volume of cases while maintaining quality and accuracy
Additional Skills & Attributes
• Strong questioning and analytical skills
• Excellent attention to detail
• Ability to identify vulnerable customers and recognise adverse credit indicators
• Clear and confident communication skills, both written and verbal
• High level of accuracy when working with data
• Good problem‑solving ability
• Competent numeracy skills and familiarity with Microsoft Office
What's Offered
• Clear progression pathways, including opportunities to move into mortgage advice roles
• Support and funding available to obtain CeMAP qualifications
• Regular social events
• Up to 25 days annual leave plus bank holidays
• Birthday leave each year
• Healthcare cash plan
• Pension scheme with employer contributions up to 5%
For further information please contact Amanda at Time Recruitment