February 7, 2024

Mortgage Underwriter – Manchester City Centre, M1


About Evolution Money

Evolution Money is a specialist lender with a social purpose. We’re creating financial inclusion by providing bespoke lending solutions to UK homeowners. Shortlisted for MEN Business of the Year award 2019 and ranked in The Sunday Times Fast Track 100 twice. We’re an award winning, dynamic organisation.


What we can offer you

  • Excellent career progression opportunities, including pathway to our Mortgage Advice team.

  • Funding and support available to gain CeMAP Mortgage Advice qualification.

  • Excellent social events

  • Up to 25 days’ annual leave + bank holidays

  • Your birthday off, every year!

  • A healthcare cash plan

  • A contributory pensions scheme, matched up to 5%


Core Responsibilities of the Mortgage Underwriter

As a Mortgage Underwriter you’ll be responsible for manually underwriting loan applications, from completion of application to authorisation. Responsibilities include:

  • Completing and reviewing loan applications, examining supporting documentation and verifying accuracy.

  • Analysing applicant’s credit history and financial information to assess eligibility.

  • Analysing loan risk, requesting additional information as necessary.

  • Identify signs of suspicious or fraudulent activity.

  • Assessing every customer on their individual circumstances and the evidence presented, to ensure good Consumer Outcomes.

  • Make loan eligibility judgements, approving or rejecting applications.

  • Documenting and effectively communicating the reasons for the approval or rejection of loans.

  • Answering customer enquiries regarding loan applications.

  • Ensure compliance with regulatory standards, company policies, procedures and guidelines.

  • Achievement of minimum KPI Requirements and Targets


Skills required of our Mortgage Underwriter

  • Previous experience and demonstrated ability of working within fast paced KPI / target driven environment.

  • The ability to effectively question and challenge evidence presented

  • Highly organized with the ability to handle a large volume of customer cases at any one given time

  • Strong communication skills, both verbal and written

  • Detail-oriented with strong data accuracy

  • Problem solving skills

  • Good Numeracy and Microsoft office skills

Work Level
Employment Type
Full Time
Evolution Money
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