At a Glance
- Tasks: Manage second charge mortgage applications and ensure customer-centric outcomes.
- Company: Dynamic financial services team in Manchester City Centre.
- Benefits: Competitive salary, bonus scheme, healthcare plan, and generous leave.
- Other info: Support for gaining the CeMAP qualification and a vibrant team culture.
- Why this job: Join a fast-paced environment with excellent career progression opportunities.
- Qualifications: 12 months' experience in loan assessment and strong attention to detail.
The predicted salary is between 32548 - 32548 £ per year.
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.
Mortgage Underwriter – Second Charge. in Manchester employer: Brooke Harrison Recruitment
Join a leading specialist lender as a Remote Regional Account Manager and experience a dynamic work culture that prioritises collaboration and results. With competitive salaries, uncapped earning potential, and clear pathways for career advancement, this role offers the perfect blend of autonomy and support in a respected brand within the bridging finance sector. Located across vibrant regions like East London, Essex, Kent, Colchester, Ipswich, and Brighton, you'll thrive in an environment that values your expertise and fosters professional growth.
Contact Details:
Brooke Harrison Recruitment Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Underwriter – Second Charge. in Manchester
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector, especially those who know about second charge mortgages. A friendly chat can lead to insider info on job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of second charge lending. We recommend practising common interview questions and scenarios you might face as a Mortgage Underwriter. Confidence is key!
✨Tip Number 3
Showcase your skills! When you get the chance, highlight your attention to detail and customer-centric approach during interviews. Use examples from your past experience to demonstrate how you've excelled in high-pressure environments.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our company.
We think you need these skills to ace Mortgage Underwriter – Second Charge. in Manchester
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Mortgage Underwriter role. Highlight your experience in loan assessment and any relevant skills that match the job description. We want to see how your background fits with what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your skills can contribute to our team. Keep it professional but let your personality come through – we love a bit of character!
Showcase Your Attention to Detail:As an underwriter, attention to detail is key. Make sure your application is free from typos and errors. We appreciate candidates who take the time to double-check their work, so show us you’re meticulous!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at Brooke Harrison Recruitment
✨Know Your Stuff
Make sure you brush up on your knowledge of second charge mortgages and the underwriting process. Familiarise yourself with the key regulations and policies that govern the industry, as well as any recent changes. This will show that you're not just interested in the role but also committed to staying informed.
✨Showcase Your Attention to Detail
Since this role requires a strong focus on accuracy, be prepared to discuss examples from your past experience where your attention to detail made a difference. Whether it was catching an error in documentation or ensuring compliance, highlight how your meticulous nature has positively impacted your work.
✨Communicate Clearly
As you'll be liaising with customers, brokers, and internal teams, practice articulating your thoughts clearly and professionally. Consider doing mock interviews with a friend or family member to refine your communication skills. Remember, clarity is key in ensuring everyone is on the same page.
✨Prepare for Problem-Solving Scenarios
Expect to face questions that assess your problem-solving abilities. Think of specific situations where you had to navigate challenges in loan assessment or customer interactions. Be ready to explain your thought process and how you arrived at a solution, showcasing your customer-focused approach.
