Vivo Talent Solutions
Mortgage Underwriter
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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
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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
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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.
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