Job Description

Mortgage Underwriter – Second Charge.
Location: Manchester City Centre, M1 – Full-time, 5 days per week onsite initially. Hybrid working options available post-probation (minimum 3 days onsite).
Salary: £32,548 basic + competitive bonus scheme

About the Role:
We are seeking a skilled and motivated Mortgage Underwriter – Second Charge to join a dynamic financial services team. You will be responsible for managing a pipeline of second charge mortgage applications from submission through to final decision, manually assessing each case with a focus on customer-centric outcomes.

The role involves close collaboration with internal teams, brokers, and customers to ensure applications are processed efficiently and in line with regulatory requirements. If you're detail-oriented, thrive in a fast-paced environment, and have experience in financial services, this could be the ideal next step in your career.

Key Responsibilities:

• Review and underwrite second charge mortgage applications manually, ensuring compliance with regulations and internal policies.
• Assess customer documentation, verify accuracy, and request further information as needed.
• Maintain up-to-date and accurate customer records.
• Evaluate each applicant’s individual circumstances to ensure fair and appropriate lending decisions.
• Communicate clearly and professionally with customers, brokers, and internal stakeholders.
• Meet performance and quality targets in a KPI-driven environment.

Minimum Requirements:

• At least 12 months' experience in loan assessment or application processing (preferably in second charge lending or motor finance)
• Proven success working in a target-driven, high-volume environment.
• Strong attention to detail and quality assurance across multiple customer cases.

Preferred Skills:

• Confidence in challenging and verifying presented evidence.
• Strong written and verbal communication skills.
• Awareness of vulnerability and adverse credit indicators.
• Problem-solving mindset with a customer-focused approach.
• Proficiency in Microsoft Office and good numeracy skills.

What’s on Offer:

• Excellent career progression opportunities, including potential to move into mortgage advice roles.
• Support and funding to gain the CeMAP Mortgage Advice qualification.
• Up to 25 days’ annual leave, plus bank holidays and your birthday off each year.
• Healthcare cash plan and matched pension contributions (up to 5%).
• Regular social events and a supportive team culture.