Second Charge Mortgage Underwriter
Core
Assess and underwrite second charge mortgage applications using Open Banking data, affordability checks, and property security details against lending policy and regulatory requirements.
Role type
Second Charge Mortgage Underwriter
Builds
Secured lending products for consumers
Domain
Fintech / Consumer Lending / Real Estate Finance
Deliverable
Production ML models | product features
Required skills
Second charge mortgage underwriting, Open Banking data analysis, property valuation and equity assessment, FCA regulation compliance, affordability assessment, fraud prevention, AML regulations, manual underwriting of complex cases
Preferred skills
CeMAP, CeRER, DipFA qualifications
Technologies
Open Banking APIs, in-house AI/ML systems
Responsibilities
Liaise with brokers to request information and progress cases within SLA, provide feedback on declined or conditioned cases, contribute to continuous improvement of underwriting policy and process, work cross-functionally with Risk, Compliance, and Operations
Seniority
Mid-level, hands-on IC