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- Tasks: Manage second charge mortgage applications and ensure customer-centric outcomes.
- Company: Dynamic financial services team in Manchester City Centre.
- Benefits: Competitive salary, bonuses, healthcare, and up to 25 days off.
- 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. employer: Brooke Harrison Recruitment
Contact Detail:
Brooke Harrison Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Underwriter – Second Charge.
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector, especially those who know about mortgage underwriting. A friendly chat can lead to insider info on job openings or even a referral.
✨Tip Number 2
Prepare for interviews by practising common questions related to second charge mortgages. We recommend role-playing with a friend or using online resources to get comfortable with articulating your experience and skills.
✨Tip Number 3
Showcase your attention to detail during interviews. Bring examples of how you've successfully managed applications or resolved issues in previous roles. This will demonstrate your fit for the fast-paced environment we thrive in.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, you’ll find all the latest opportunities right there, tailored to your skills in mortgage underwriting.
We think you need these skills to ace Mortgage Underwriter – Second Charge.
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 aligns with our needs!
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 experience makes you a great fit. Don’t forget to mention your customer-centric approach, as it’s key for us.
Showcase Your Attention to Detail: As an underwriter, attention to detail is crucial. In your application, provide examples of how you've successfully managed multiple cases while ensuring compliance and accuracy. We love seeing candidates who take pride in their work!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
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 compliance requirements, as well as any recent changes in the financial services sector. This will show that you're not just interested in the role but also committed to staying informed.
✨Showcase Your Attention to Detail
As a Mortgage Underwriter, attention to detail is crucial. Prepare examples from your past experience where your meticulousness made a difference in the outcome of an application. Be ready to discuss how you ensure accuracy in documentation and decision-making.
✨Communicate Clearly
Since the role involves liaising with customers, brokers, and internal teams, practice articulating your thoughts clearly and professionally. You might even want to do a mock interview with a friend to refine your communication skills. Remember, clarity can make or break a lending decision!
✨Demonstrate Problem-Solving Skills
Prepare to discuss scenarios where you've had to think on your feet or solve complex problems. Highlight your customer-focused approach and how you’ve navigated challenges in a high-volume environment. This will illustrate your ability to thrive under pressure and make sound decisions.