Second Charge Mortgage Underwriter

📋 Description

• Assess and underwrite second charge mortgage applications, using Open banking, affordability
• Liaise directly with brokers, request further information, and keep cases progressing to completion
• Ensure every decision is fully documented and auditable, meeting FCA and internal compliance
• Provide clear, constructive feedback to brokers and internal sales teams on declined or conditioned
• Contribute to the continuous improvement of underwriting policy, criteria, and process as the
• Work cross-functionally with Risk, Compliance, and Operations to ensure underwriting practices

🎯 Requirements

• Minimum of 2 years' experience in second charge mortgages
• Ability to work to targets, driving month-on-month growth
• Strong understanding of property as security — valuation, equity, LTV, title issues
• Knowledge of FCA regulation, UK lending rules, affordability, MCOB, fraud prevention, AML
• Proven track record in manual underwriting of complex, high-value cases
• Industry qualifications (CeMAP, CeRER, DipFA or equivalent) desirable

🎁 Benefits

• Equity ownership
• Hybrid with 3 days in the office
• 25 days holiday + 8 bank holidays
• 2 paid volunteering days/year
• One month paid sabbatical after 4 years
• Employee loan