Second Charge Mortgage Underwriter (Fintech)

Location: London, United Kingdom; hybrid with 3 days a week in the office. Working hours are Monday to Friday, 9:00am–6:00pm.

Company

hirify.global is a UK fintech using AI and Open Banking data to provide fairer personal finance and expand into secured lending.

What you will do

• Assess and underwrite second charge mortgage applications using Open Banking, affordability, credit history, property security details, lending policy, and regulatory requirements.
• Liaise with brokers, request additional information, and progress cases to completion within SLA.
• Document lending decisions clearly and ensure they are auditable against FCA and internal compliance standards.
• Provide constructive feedback to brokers and internal sales teams on declined or conditioned cases.
• Improve underwriting policy, criteria, and processes as the secured lending product and loan book mature.
• Work with Risk, Compliance, and Operations to support growth and positive customer outcomes.

Requirements

• At least 2 years of experience in second charge mortgages.
• Experience with manual underwriting of complex, high-value, and non-standard cases.
• Strong knowledge of property security, including valuations, equity position, LTV, combined LTV, existing charges, and title issues.
• Working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB, fraud prevention, and AML requirements.
• Ability to work to targets and make balanced commercial lending decisions.
• Relevant qualifications such as CeMAP, CeRER, DipFA, or equivalent are highly desirable.

Nice to have

• CeMAP, CeRER, DipFA, or an equivalent industry qualification.

Culture & Benefits

• Equity participation through company ownership.
• 25 days of annual leave plus 8 bank holidays.
• Two paid volunteering days per year.
• One month of paid sabbatical after 4 years.
• Employee loan, free gym membership, and a team wellness budget.
• Collaborative environment with ownership, continuous learning, constructive challenge, and recognised performance.