Underwriter

Loan Processor

Manchester City Centre

£32,500 basic + competitive bonus

Full-time Onsite with hybrid options following probation

Time Recruitment is partnering with a leading specialist lender to recruit an experienced Underwriter to join their expanding Second Charge team. This is an excellent opportunity for candidates with backgrounds in IVA processing, loan underwriting, or car finance underwriting looking to progress within a supportive, fast-paced financial services environment.

You will be joining a purpose-driven lender with a strong social ethos, dedicated to financial inclusion and assisting customers who may be underserved by traditional lenders. The team is friendly, collaborative, and committed to delivering fair outcomes for every customer.

This role values your judgement, attention to detail, and ability to assess individual circumstances with care and accuracy.

• Manage a pipeline of second charge mortgage applications from submission through to final lending decision.
• Manually underwrite cases in line with regulatory standards and internal policies.
• Review and verify customer documentation, requesting additional information where necessary.
• Communicate clearly with customers, brokers, and internal teams to progress applications efficiently.
• Ensure accurate record-keeping and maintain high-quality standards across all cases.
• Work towards achievable KPIs within a supportive, performance-driven environment.

• Minimum of 12 months experience assessing or processing loan applications, ideally within second charge lending, IVA processing, or motor finance underwriting.
• Proven success working in a fast-paced, target-driven environment.
• Strong track record of maintaining quality and accuracy across a high volume of cases.

• Confident in questioning and challenging evidence presented.
• Excellent attention to detail and data accuracy.
• Experience identifying vulnerable customers and working with adverse credit.
• Strong written and verbal communication skills.
• Good numeracy and proficiency in Microsoft Office.
• Natural problem-solver with a customer-first mindset.

• Clear career progression pathways, including opportunities to move into Mortgage Advice.
• Full support and funding to obtain your CeMAP qualification.
• Up to 25 days holiday plus bank holidays, including your birthday off every year.
• Healthcare cash plan.
• Company pension scheme with up to 5% matched contributions.
• Regular social events and a genuinely supportive team culture.
• Hybrid working available after probation (minimum 3 days onsite).

Join a business that champions financial empowerment, innovation, and doing the right thing for customers. The environment is collaborative, energetic, and focused on continuous improvement a place where your ideas and professional growth truly matter.