Second Charge Mortgage Underwriter

£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 supportAbout
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’ll be detail-focused, commercially aware and confident making decisions in a fast-paced lending environment. You will ideally have:

At least 12 months’ experience assessing, processing or underwriting loan applications

Experience with in 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.

If you’re ready to develop your underwriting career with a values-led lender offering real progression, contact Fintelligent today for a confidential discussion.