Second Charge Mortgage Underwriter

Fintelligent Search Ltd; Manchester; Hybrid; GBP 33,000 - 49,000; Full time

Benefits offered by this job

Hybrid working

CeMAP funding

Career progression

Healthcare cash plan

Pension matching up to 5%

Job summary

Fintelligent Search Ltd in Manchester is seeking a Second Charge Mortgage Underwriter to manage applications from initial review to lending decision. You will balance commercial judgement with fair customer outcomes within a collaborative team that values quality, pace and detail.

The role offers £32,500 basic salary with an achievable bonus (top performers up to £1.4k per month), hybrid working, and CeMAP funding to support your Mortgage Advice pathway.

Qualifications

• At least 12 months' experience assessing, processing or underwriting loan applications.
• Experience within mortgages, secured lending, consumer finance or a related financial-services environment.
• Ability to manage high application volumes while maintaining quality and accuracy.
• Strong attention to detail and excellent data-entry skills.
• Clear communication skills, both written and verbal.

Responsibilities

• Review and underwrite second charge mortgage applications in line with lending policy and regulatory requirements.
• Assess customer circumstances and supporting evidence to make fair, accurate lending decisions.
• Verify application documentation and request additional information where required.
• Maintain precise and up-to-date customer records throughout the underwriting process.
• Communicate clearly and professionally with customers, brokers and internal stakeholders.
• Manage a busy pipeline while maintaining excellent quality and service standards.
• Consistently achieve agreed KPIs, productivity and quality targets.

Job description

£32,500 basic + bonus | Hybrid working | Career progression | Manchester

Looking to build a long-term career in specialist lending? This is a brilliant opportunity to join a leading lender within second charge— a purpose-led, fast-growing lender that takes a more personal, flexible approach to helping customers achieve better financial outcomes.

As a Second Charge Mortgage Underwriter, you'll manage applications from initial review through to lending decision, balancing strong commercial judgement with fair customer outcomes. You'll join a collaborative team where quality, pace and attention to detail are genuinely valued—and where there is a clear route into Mortgage Advice, supported by CeMAP funding.

Why this role?

• Competitive salary of £32,500, plus an achievable bonus structure (top performers earning up to £1.4k per month)
• Hybrid working available
• Clear progression opportunities, including a pathway into Mortgage Advice
• Support and funding towards your CeMAP qualification
• Join a Certified B Corp committed to doing business differently
• Work for a lender focused on tailored, responsible lending solutions—not a one-size-fits-all approach

Package & Benefits

• £32,500 basic salary
• Competitive bonus scheme with strong earning potential
• Hybrid working
• Up to 25 days' annual leave, plus bank holidays
• Healthcare cash plan
• Contributory pension scheme, matched up to 5%
• Ongoing training, development and career progression
• CeMAP qualification support

About

This is a forward-thinking specialist lender that challenges traditional approaches to lending. As a Certified B Corp, the business is committed to creating positive outcomes for customers, colleagues and communities. Their approach is built around creativity, collaboration and innovation—giving customers solutions that reflect their individual circumstances, while giving employees the support and opportunity to grow their careers.

Key Responsibilities

• Review and underwrite second charge mortgage applications in line with lending policy and regulatory requirements
• Assess customer circumstances and supporting evidence to make fair, accurate lending decisions
• Verify application documentation and request additional information where required
• Maintain precise and up-to-date customer records throughout the underwriting process
• Communicate clearly and professionally with customers, brokers and internal stakeholders
• Manage a busy pipeline while maintaining excellent quality and service standards
• Consistently achieve agreed KPIs, productivity and quality targets

About You

You will ideally have:

• At least 12 months' experience assessing, processing or underwriting loan applications
• Experience within mortgages, secured lending, consumer finance or a related financial-services environment
• A proven ability to manage high application volumes while maintaining quality and accuracy
• Strong attention to detail and excellent data-entry skills
• The confidence to assess complex customer circumstances and identify appropriate next steps
• Clear communication skills, both written and verbal
• A positive, solutions-led approach and the ability to perform in a KPI-driven environment

This role could be an excellent next step for someone currently working as a Loan Processor, Credit Analyst, Mortgage Advisor, Debt Management Advisor, Loan Officer or Mortgage Underwriter.