Job Description
Manual Underwriter
Location: Birmingham (Hybrid - 3 days in office)
Sector: Specialist Lending
Salary: Up to £45,000 per annum
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:
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Manually underwriting residential and secured loan applications
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Reviewing complex cases, including self-employed and credit-impaired borrowers
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Assessing affordability, credit history, and supporting documents
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Liaising with brokers and internal teams to gather and clarify information
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Making fair, well-documented decisions in line with policy and regulation
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Supporting improvements to underwriting process and policy
What They're Looking For:
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Proven experience in manual underwriting for specialist lending, mortgages, or secured loans
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Strong understanding of affordability, credit risk, and income assessment
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Confident decision-maker with strong attention to detail
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Good working knowledge of FCA regulations and Treating Customers Fairly
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Able to commit to three days per week in the Birmingham office
Desirable:
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Background in bridging, buy-to-let, or second charge lending
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CeMAP or equivalent industry qualification (preferred, not essential)
Why Apply?
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Salary up to £45,000 depending on experience
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Hybrid working - 3 days in the office, 2 from home
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Join a growing, specialist lender with a collaborative team culture
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Clear scope for progression and professional development
Interested? Apply now or contact us for a confidential chat.
