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