Underwriter

We are seeking a talented and motivated full-time Underwriter to join our team at an exciting time of business growth and transformation. Located just a two-minute walk away from the Woking town centre, Step One Finance provides challenging and rewarding careers. We achieve this by offering continuous learning and development, collaborative teamwork environment and exposure to a wide variety of work. Imagine and shape your future at Step One Finance Limited where you can grow professionally, in a diverse and inclusive workplace that rewards your contribution.

Step One Finance is proud to be an equal opportunity employer, and we take affirmative action to create a more inclusive and equitable world of work.

Key Responsibilities

• Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company’s policies and procedures and TCF principles


• Ensure the accuracy of customer and loan related data that is captured within the underwriting forms, documents and internal systems.

• Establish and maintain effective working relationships with key 3rd party business partners. These include all intermediary partners, solicitors and valuation panel managers  

• Ensure that all mandatory training is undertaken.


• Achieve satisfactory performance levels in all KPI’s to maintain/achieve underwriting mandate


• Provide support to the Head of Lending and more senior team members as required including policy and procedure enhancements and recommendations for cases outside of policy for further review


• Approving cases with individual mandate levels


• Maintain an up to date market awareness of both lenders and intermediaries working in the second charge space as well as the regulatory rules and guidance for the market.


• Undertake relevant regulatory training to completed all three levels of CEMAP programme


• Provide suitable Mortgage advice, where possible, on applications received directly from customers.

Role Requirements

• Previous experience in an administrative, underwriting, or finance-related role is preferred


• Strong attention to detail and accuracy in processing financial documents and data


• Excellent organizational skills with the ability to manage multiple priorities and deadlines


• Effective communication skills, both written and verbal, for interacting with customers, colleagues, and third-party partners


• Proficiency in Microsoft Office (Word, Excel, Outlook) and familiarity with internal loan or underwriting systems


• Ability to work both independently and collaboratively within a team environment


• Strong problem-solving skills and a solutions-focused mindset


• Professional, courteous, and friendly demeanor when dealing with internal and external stakeholders


• Commitment to compliance, confidentiality, and adhering to company policies and procedures


• Willingness to learn, adapt, and undertake mandatory training as required


• Flexibility to support ad hoc projects and additional tasks as needed

Personal Attributes

• A strong team player with a friendly, professional approach

• Proactive and self-motivated with a “can-do” attitude


• Pragmatic, flexible, and solutions-focused


• Committed and conscientious, with a drive to deliver results


• Honest, reliable, and operates with integrity

Why Join Us?

• Competitive salary


• The chance to be a key part of a growing company


• A dynamic and supportive team culture where your contributions are truly valued


• Comprehensive range of the employee benefits- subject to scheme rules

Step One Finance does not offer visa sponsorship; therefore, all candidates must have a valid right to work in the UK.