Second Charge Mortgage Underwriter — Open Banking Focus

Abound; Greater London; Hybrid; GBP 55,000 - 75,000; Full time

Benefits offered by this job

Equity

Hybrid with 3 days in the office

25 days holiday

2 volunteering days per year

1 month sabbatical after 4 years

Employee loan

Free gym membership

Wellness budget

Job summary

Abound is seeking an experienced Second Charge Mortgage Underwriter to join our growing underwriting team. You will assess and underwrite second charge mortgage applications, using Open Banking, affordability, credit history and property details against policy and regulatory requirements.

You will liaise with brokers to drive cases to completion, ensure decisions are well documented, and help evolve our underwriting policy as the secured lending book expands.

Qualifications

• Minimum of 2 years' experience in second charge mortgages.
• Strong understanding of FCA regulation and responsible lending rules.
• Proven track record in manual underwriting of complex cases.
• Ability to lead lending decisions where property equity is key.
• CeMAP/CERER/DipFA or equivalent are desirable qualifications.

Responsibilities

• Assess and underwrite second charge mortgage applications using Open Banking, affordability, credit history and property details.
• Liaise with brokers, request information, and drive cases to completion within SLA.
• Document decisions thoroughly to meet FCA and internal compliance standards.
• Provide feedback to brokers and internal teams on declined or conditioned cases.
• Contribute to underwriting policy improvements as the product grows.
• Collaborate with Risk, Compliance and Operations to balance growth with good outcomes.

Skills

Second charge underwriting

Open banking analysis

Regulatory compliance

Broker liaison

Education

CeMAP / CeRER / DipFA (desirable)

Job description

Abound is seeking an experienced Second Charge Mortgage Underwriter to join our growing underwriting team. You will assess and underwrite second charge mortgage applications, using Open Banking, affordability, credit history and property details against policy and regulatory requirements.

You will liaise with brokers to drive cases to completion, ensure decisions are well documented, and help evolve our underwriting policy as the secured lending book expands.