Earning potential
Your earning potential on this plumber role
Typical: 3–4 per day
Typical client spend: £250–£350
Up to 50% of every job value
Per job
£105
Per day
£420
Per week (5 days)
£2,100
Per year (~232 days)
£97,440
Estimated earning potential based on typical UK job volumes and fee levels — not a guarantee. Actual earnings depend on work flow, ticket size, and hours worked.
About the role
Loan Underwriter — Manchester and North West. Self-employed profit-share role, not a wage. You keep 35% of every case KJ Lenders (through its lender panel) routes to you for underwriting. We hold the panel relationships; you decision the files against each lender's policy. You'll decision applications across unsecured personal loans, secured seconds, bridging and BTL — depending on the panels you're accredited on. Work is a mix of desk-based file review, affordability calc, AML/KYC, credit-bureau interpretation, and referral write-ups to the lender's credit committee. Cases are allocated via the KJ portal with the applicant pack, credit file, bank statements, property pack (where secured) and lender-specific policy references. Ticket per case is a fixed underwriting fee (£45–£180 depending on complexity), so throughput matters — the calculator above shows what a solid day's underwriting clears at 35%. Suits an experienced underwriter (CeMAP-qualified or lender-trained) who wants desk-based volume work with flexibility. Not for anyone without recent underwriting exposure — pattern recognition on files matters.
Responsibilities
- Assess applications against each lender's stated credit and affordability policy
- Interpret credit bureau data, bank statements and payslips accurately
- Complete AML / KYC and PEP / sanctions checks
- Produce clear referral write-ups where the file needs credit committee sign-off
- Feed back declines with clear, evidence-based reasoning
- Log every decision in the KJ portal with the supporting rationale
- Escalate suspected fraud or vulnerable-customer flags immediately
- Complete lender-specific ongoing training
Requirements
- Recent consumer or property lending underwriting experience
- Strong numeracy and affordability-calc confidence
- Right to work in the UK
- Professional indemnity insurance
- Own laptop and secure home working setup
- Smartphone for the KJ portal
How working with KJ actually works
From apply to first paid job — four honest steps
- 1
Apply in 60 secs
One tap on this page. No CV wall, no cover letter. Just your name, trade and coverage area.
- 2
Sign your KJ contract
Plain-English self-employed profit-share agreement — 25–50% of job value depending on the role. E-signed. No tie-in, no exclusivity trap.
- 3
Log in to the KJ Portal
See the jobs allocated to you: address, scope, customer notes, agreed price. Accept the ones you want, decline the ones you don't.
- 4
Do the work, get paid your share
Complete the job, mark it done in the portal. KJ invoices the customer. Your share lands on the regular payment cycle — no chasing, no unpaid quotes.
The KJ Portal is rolling out through 2026 — until then, early hires are onboarded and dispatched directly by the KJ ops team. Same profit-share, same transparency.
Why KJ, not a company job
A plumber does 3–4 jobs a day; a surveyor 2–4; a solicitor a handful of matters. The client pays hundreds — often thousands. You take home a fraction. The company keeps the rest.