Mortgage Underwriter – Second Charge.

Mortgage Underwriter – Second Charge. The company will FULLY FUND your CeMap qualification. We usually respond within a day 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. Locations Manchester Remote status Hybrid Manchester