Mortgage Underwriter

As a Mortgage Underwriter – Second Charge you will actively manage a pipeline of applications from completion of the application to authorisation. You will be responsible for manually underwriting loan applications, communicating with customers, brokers and our Mortgage Advice team to verify documentation, review and conclude lending decisions. Our Underwriting team works closely with our Mortgage Advice team to progress applications quickly and accurately, ensuring good customer outcomes.

We are friendly, supportive and fast‑paced, with a drive to bring out your best.

• Reviewing and manually underwriting second charge mortgage applications in line with regulatory standards, company policies, procedures and guidelines.
• Examining supporting documentation, verifying accuracy and requesting additional information as necessary.
• Accurately updating customer records and application details.
• Assessing every customer on their individual circumstances and the evidence presented, to ensure good customer outcomes.
• Communicating clearly with customers throughout the process, answering enquiries and providing timely updates to all stakeholders.
• Achieving minimum KPI requirements and targets, with excellent career progression opportunities, including a 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 pension scheme, matched up to 5%.

• Minimum 12 months experience assessing or processing loan applications – ideally in second charge lending or motor finance.
• Evidence of the ability to thrive in a fast‑paced, KPI/target‑driven environment.
• Experience meeting consistent quality standards while handling a large volume of customer cases.
• The ability to effectively question and challenge evidence presented.
• Attention to detail.
• Experience identifying vulnerable customers and working with adverse credit indicators.
• Strong communication skills, both verbal and written.
• Detail‑oriented with strong data accuracy.
• Problem‑solving skills.
• Good numeracy and Microsoft Office skills.
• Disability confident.

• Funding and support 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 pension scheme, matched up to 5%.

Join us on our journey to redefining financial inclusivity. As we 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 are committed to equality, diversity and inclusion, ensuring a respectful and fair workplace based on merit. Everyone is welcome at Evolution Money!

Evolution Money is a Disability Confident employer. We offer an interview to anyone with a disability who meets the minimum criteria for the role. For any support with completing this application, please contact  If you need assistance at any stage of recruitment, we are happy to discuss reasonable adjustments.

Evolution Money is a Certified B Corp with a social purpose, dedicated to redefining financial inclusion by providing bespoke lending solutions to UK homeowners.