Second-Charge Mortgage Underwriter — Equity & Hybrid Work

Abound; Greater London; Hybrid; GBP 40,000 - 56,000; Full time

Benefits offered by this job

Equity

Hybrid work model

25 days holiday per year

8 bank holidays

2 volunteering days per year

One month paid sabbatical after 4 yrs

Employee loan

Free gym membership

Wellness budget

Job summary

Abound in the UK is seeking an experienced Second Charge Mortgage Underwriter to join our growing underwriting team. You will assess secured lending applications and apply Open Banking insights and affordability criteria.

Working in a hybrid model, you will partner with brokers, ensure compliant decisions, and help scale our secured lending book while delivering strong customer outcomes.

Qualifications

• Minimum 2 years' experience in second charge mortgages.
• Proven ability to underwrite to targets and growth objectives.
• Strong knowledge of FCA regulation, affordability, MCOB, fraud prevention, and AML.

Responsibilities

• Assess and underwrite second charge mortgage applications using Open Banking and policy.
• Liaise with brokers, request information, and progress cases within SLA.
• Ensure decisions are documented and auditable to FCA standards.
• Provide feedback to brokers and internal teams on declined cases.
• Contribute to underwriting policy and process improvements as the book grows.
• Collaborate with Risk, Compliance, and Operations to balance growth with good outcomes.

Skills

Second charge mortgages

Targets & growth

Underwriting experience

Property as security

FCA regulation knowledge

Manual underwriting

Education

CeMAP / CeRER / DipFA or equivalent

Job description

Abound in the UK is seeking an experienced Second Charge Mortgage Underwriter to join our growing underwriting team. You will assess secured lending applications and apply Open Banking insights and affordability criteria.

Working in a hybrid model, you will partner with brokers, ensure compliant decisions, and help scale our secured lending book while delivering strong customer outcomes.