Second Charge Mortgage Underwriter - Payouts / Lending Ops

Fintelligent; Manchester; Hybrid; GBP 32,000 - 38,000; Full time

Job summary

A leading financial organisation in Manchester is seeking a Second Charge Mortgage Underwriter to review and underwrite mortgage applications. The role offers a basic salary of £32,500 plus bonuses, with career progression opportunities and support for CeMAP qualification. Employees enjoy up to 25 days of annual leave, a hybrid working pattern, and a supportive environment. If you're passionate about making a difference in finance, apply today!

Benefits

Up to 25 days’ annual leave

Healthcare cash plan

Contributory pension matched up to 5%

No weekend work

Career progression opportunities

Qualifications

• At least 12 months’ experience in assessing or processing loan applications.
• Track record of meeting quality standards with high application volumes.
• Experience in roles such as Loan Processor or Mortgage Advisor is advantageous.

Responsibilities

• Review and underwrite second charge mortgage applications.
• Verify documentation and request additional information.
• Update customer records with precision.
• Communicate clearly with customers and stakeholders.
• Meet KPIs and performance targets.

Skills

Experience in assessing or processing loan applications

Ability to thrive in a fast-paced, KPI-driven environment

Attention to detail

Effective communication skills

Problem-solving abilities

Job description

Job Description

Are you ready to take your career to the next level as a Second Charge Mortgage Underwriter? Our client, a dynamic company based in the heart of Manchester, is seeking a talented individual to join their team. This is a fantastic opportunity to join a leading financial organisation that challenges traditional lending, delivering tailored solutions that truly fit each customer’s circumstances.

With a basic salary of £32,500 plus bonus, this role offers a competitive bonus structure and a host of benefits. Enjoy career progression opportunities, including a pathway to Mortgage Advice roles, and support for your CeMAP qualification. Plus, benefit from a healthy work‑life balance with up to 25 days of annual leave, bank holidays, and no weekend work.

Our client is a forward‑thinking company committed to empowering individuals through innovative and purpose‑driven financial solutions. As a Certified B Corp, they value creativity, innovation, and collaboration, ensuring a supportive and inclusive environment for all employees.

Responsibilities

• Review and underwrite second charge mortgage applications in line with company policies.
• Verify documentation and request additional information as needed.
• Update customer records with precision.
• Assess applicants’ circumstances to ensure fair lending decisions.
• Communicate clearly with customers and stakeholders.
• Meet KPIs and performance targets.

Package and Benefits

• Annual salary of £32,500 plus bonus.
• Competitive bonus structure which offers a strong overall earning potential.
• No weekends.
• Hybrid working pattern.
• Career progression opportunities, including a pathway to Mortgage Advice roles.
• Support for CeMAP qualification.
• Up to 25 days’ annual leave plus bank holidays.
• Healthcare cash plan and a contributory pension matched up to 5%.

About You

• At least 12 months’ experience in assessing or processing loan applications.
• Proven ability to thrive in a fast‑paced, KPI‑driven environment.
• Strong track record of meeting quality standards with high application volumes.
• Excellent attention to detail and data accuracy.
• Effective communication skills and problem‑solving abilities.

If you have experience as a Loan Processor, Credit Analyst, Mortgage Advisor, Loan Officer, or Financial Second Charge Mortgage Underwriter, you might find this Second Charge Mortgage Underwriter role particularly appealing. Your skills and expertise could be a perfect match for this exciting opportunity.

If you're passionate about making a difference in the financial sector and have the skills to excel as a Second Charge Mortgage Underwriter, this could be the perfect role for you. Take the next step in your career and apply today!