Approvals Underwriter

Job Title: Approvals Underwriter  Working Pattern: Monday to Friday, 36.25 hours per week (shifts between 8am to 6pm for example 8am-4pm/9am-5pm/10am-6pm)  Salary: £27,500 - £31,000 dependent on experience + up to 20% bonus + benefits  Location: 5 days a week in our Blackpool office (FY4 2FB) with some flexibility for hybrid after probation. 💚 Shaping the future of sustainable digital banking Launched in 2014 as one of the UK's original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.  People join Tandem because they want to shape something meaningful. Here, you'll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We're big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.  Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers' Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.  Tandem is growing fast and helping to shape the future of sustainable banking. Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. As an Approvals Underwriter you will accurately review and underwrite 2nd Charge Mortgage applications. Verifying, updating and considering the overall lend whilst effectively managing an active pipeline, communicating with both customers and brokers verbally and via email.   You will be joining a fast paced, hardworking and supportive team who enjoy a little healthy competition. Your Impact: Building a sustainable tomorrow As an Approvals Underwriter at Tandem your focus will be on:

• Review and accurately underwrite 2nd Charge Mortgage applications in line with our Responsible Lending Policy, lending criteria and agreed service levels. 
• Obtain relevant mandates. 
• Accurately update relevant systems with the application details.  
• Use Microsoft Excel, Microsoft Word and our internal systems simultaneously. 
• Request additional requirements needed to process the application.  
• Communicate clearly both in writing and verbally with brokers/customers throughout the underwriting process providing timely updates. 
• Effectively manage a pipeline of second charge mortgage applications from pack submission to completion.  Although these are the main responsibilities this is not an exhausted list. 
• Computer skills including full Microsoft office package. 
• Enjoy working as part of a team and able to work as an individual. 
• Able to effectively manage your day and prioritise your workload. 
• Able to adapt quickly if priorities change. 
• Able to demonstrate consistency.  It would be great, but not essential if you have:
• Experience in underwriting/processing Mortgage applications. 
• Experience/knowledge of 2nd charge lending market. 
• Experience/knowledge of the regulations we work within.  Rewards that reflect your value, what's in it for you? At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:
• 25 days annual leave plus 8 days Bank Holiday
• An additional day off for a ‘celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc
• Buy or sell up to 5 days holiday a year
• Healthcare cash plan through Westfield Health
• Life Assurance at 3 x salary
• Electric Vehicle salary sacrifice scheme
• Cycle to Work salary sacrifice scheme and a free helmet
• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)
• Smart Tech scheme (buy goods with 0% interest)
• 10% discount on solar panels
• Tandem Hub for treats, cash back and discounts on UK retailers
• 2 days per year paid volunteering
• Free cereal, snacks and drinks in all offices
• Quarterly team social budgets Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we'll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:
• Volunteer 2 days a year for charity > receive an early Friday finish
• Raise £200 per annum for charity > Tandem provide PR and marketing support
• Have renewable energy at home > receive an additional 1 day annual leave
• Drive an electric car > receive £500 towards a home charger Ready to make your mark? Sourcing Model Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.