Mortgage Underwriter – Second Charge Location: Manchester City Centre, M1 – Full-time, 5 days per week onsite initially. Hybrid working options available post-probation (minimum 3 days onsite). Salary: £32,548 basic competitive bonus scheme About the Role: We are seeking a skilled and motivated Mortgage Underwriter – Second Charge to join a dynamic financial services team. You will be responsible for managing a pipeline of second charge mortgage applications from submission through to final decision, manually assessing each case with a focus on customer-centric outcomes. The role involves close collaboration with internal teams, brokers, and customers to ensure applications are processed efficiently and in line with regulatory requirements. If you're detail-oriented, thrive in a fast-paced environment, and have experience in financial services, this could be the ideal next step in your career. Key Responsibilities: * Review and underwrite second charge mortgage applications manually, ensuring compliance with regulations and internal policies. * Assess customer documentation, verify accuracy, and request further information as needed. * Maintain up-to-date and accurate customer records. * Evaluate each applicant’s individual circumstances to ensure fair and appropriate lending decisions. * Communicate clearly and professionally with customers, brokers, and internal stakeholders. * Meet performance and quality targets in a KPI-driven environment. Minimum Requirements: * At least 12 months' experience in loan assessment or application processing (preferably in second charge lending or motor finance). * Proven success working in a target-driven, high-volume environment. * Strong attention to detail and quality assurance across multiple customer cases. Preferred Skills: * Confidence in challenging and verifying presented evidence. * Strong written and verbal communication skills. * Awareness of vulnerability and adverse credit indicators. * Problem-solving mindset with a customer-focused approach. * Proficiency in Microsoft Office and good numeracy skills. What’s on Offer: * Excellent career progression opportunities, including potential to move into mortgage advice roles. * Support and funding to gain the CeMAP Mortgage Advice qualification. * Up to 25 days’ annual leave, plus bank holidays and your birthday off each year. * Healthcare cash plan and matched pension contributions (up to 5%). * Regular social events and a supportive team culture