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Vivo Talent Solutions provided pay range
This range is provided by Vivo Talent Solutions. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range
Location: Birmingham (Hybrid – 3 days in office)
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:
* 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
* 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.
Seniority level
* Seniority level
Mid-Senior level
Employment type
* Employment type
Full-time
Job function
* Job function
Finance
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