Manual UnderwriterLocation: Birmingham (Hybrid - 3 days in office)Sector: Specialist LendingSalary: Up to £45,000 per annumJob Type: Full-time, PermanentLooking 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 Desirable: Background in bridging, buy-to-let, or second charge lending CeMAP or equivalent industry qualification (preferred, not essential) Why