Mortgage Underwriter

Job Title: Mortgage Underwriter
Company: Evolution Money
Location: Manchester City Centre
Job Type: Full-time
Basic Salary: £30,600 plus competitive bonus scheme
About Us:
Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those who might be overlooked by conventional financial institutions.
Core Responsibilities
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.

• 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

What you get in return

• 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%

Company Culture:
Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve. Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional results and creating a positive impact in the financial services industry. We believe in fostering a work environment that encourages growth, learning, and teamwork.
We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is respected.
We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit.
We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately disadvantage protected groups, and which are not justified by the demands of the role.
Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require. Please get in touch with us at any stage of recruitment to discuss it.
If you need any support with completing this application, please contact us and we will be happy to assist.
As a part of the Disability Confident Scheme, we offer interview to anyone with disability who meets the minimum criteria for the role.
REF-214 091