Second Charge Mortgage Underwriter – Hybrid Career Growth

Fintelligent; Manchester; Hybrid; GBP 32,000 - 34,000; Full time

Benefits offered by this job

Fully funded CeMAP qualification

Hybrid working after probation

25 days' annual leave

Healthcare cash plan

Pension scheme with up to 5% employer"

Job summary

Fintelligent is seeking a Loan Underwriter in the United Kingdom (Manchester) offering hybrid working after probation. You will assess second charge mortgage applications, verify documentation and determine affordability to support responsible lending decisions.

You will collaborate with customers and internal teams, maintaining case records and progressing applications within service levels. The role includes structured training, progression opportunities, and a fully funded CeMAP

Qualifications

• At least 12 months' experience assessing or processing loan or finance applications.
• Experience reviewing income and expenditure information as part of a lending process.
• Previous experience within lending, mortgages, financial services or a related environment.
• A structured and organised approach to managing multiple cases.
• A genuine interest in developing knowledge of mortgage lending and underwriting.

Responsibilities

• Review and manually assess second charge mortgage applications in line with lending criteria
• Verify customer documentation and request additional information where required
• Assess income, expenditure and affordability to support responsible lending decisions
• Review applications carefully to identify risks, inconsistencies or missing information
• Maintain accurate and up-to-date case records throughout the application process
• Liaise with customers and internal stakeholders to progress applications efficiently
• Manage a caseload against agreed service levels, quality standards and KPIs
• Develop knowledge of specialist lending and underwriting through structured training and hands-on experience

Skills

Loan underwriting

Mortgage lending

Financial services

Attention to detail

Communication skills

Job description

Fintelligent is seeking a Loan Underwriter in the United Kingdom (Manchester) offering hybrid working after probation. You will assess second charge mortgage applications, verify documentation and determine affordability to support responsible lending decisions.

You will collaborate with customers and internal teams, maintaining case records and progressing applications within service levels. The role includes structured training, progression opportunities, and a fully funded CeMAP