Second Charge Mortgage Underwriter

About This Opportunity

We are representing a confidential fintech client in their search for an experienced Second Charge Mortgage Underwriter to join their growing secured lending team in London. Our client is expanding their product offering by bringing innovative technology and data-driven insights to the second charge mortgage space, creating a more streamlined experience for customers and brokers alike.

This is an excellent opportunity for an underwriter with strong property lending experience who thrives in a fast-paced, growth-oriented environment. Our client offers genuine progression opportunities as they scale their secured lending book.

Responsibilities

• Assess and underwrite second charge mortgage applications using Open Banking data, affordability analysis, credit history, and property security details against lending policy and regulatory requirements
• Liaise directly with brokers, request additional information, and ensure cases progress to completion within agreed service level agreements
• Ensure all underwriting decisions are fully documented and auditable, meeting FCA and internal compliance standards including affordability, vulnerable customer considerations, and consumer duty requirements
• Provide clear, constructive feedback to brokers and internal sales teams regarding declined or conditioned cases
• Contribute to continuous improvement of underwriting policy, criteria, and processes as the second charge product and portfolio evolves
• Work cross-functionally with Risk, Compliance, and Operations teams to ensure underwriting practices support both growth and positive customer outcomes

What We're Looking For

• Minimum 2 years' experience underwriting second charge mortgages
• Strong understanding of property as security, including valuation approaches, equity position, LTV and combined LTV calculations, existing charge structures, and title issues
• Proven ability to lead confidently on lending decisions where property equity is the primary basis for risk assessment
• Comprehensive working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations
• Demonstrated track record in manual underwriting of complex, high-value, and non-standard cases with sound judgment beyond tick-box criteria
• Comfortable working to targets and driving month-on-month growth as the lending book expands
• Relevant industry qualifications such as CeMAP, CeRER, DipFA or equivalent are highly desirable
• Ability to thrive in a startup environment with a collaborative, ownership-driven mindset

How We Work With You

When you apply through Get A Job.ai, our talent team will review your application and conduct an initial screening conversation to understand your experience and career goals. If there's a strong match, we will submit your profile to our client for consideration. Please do not contact the hiring organization directly—all communication should flow through Get A Job.ai to ensure a coordinated and professional process.

Working Arrangement

This is a hybrid position based in London, requiring three days per week in the office. Working hours are Monday to Friday, 9:00am to 6:00pm.

Pay

Compensation details will be discussed during the screening process with Get A Job.ai.

Equal Opportunity: Get A Job.ai is committed to fair and inclusive recruiting practices. We welcome applications from candidates of all backgrounds and work to ensure equitable access to opportunities.