Senior Underwriter - 2nd Charge Mortgages

Enra Group; Watford; On-site; GBP 40,000 - 55,000; Full time

Job summary

A dynamic financial services provider in Watford is seeking an experienced underwriter to join their growing team. This role focuses on underwriting high-value loan applications and mentoring less experienced colleagues. The ideal candidate will have a strong understanding of FCA regulations and be comfortable working under pressure. The company offers a supportive environment with opportunities for career progression and a competitive benefits package, including private medical healthcare and paid volunteer days off.

Benefits

Private medical healthcare

Paid volunteer days off

Qualifications

• Strong understanding of FCA regulation.
• Ability to pass internal competency tests post induction.
• CeMAP qualification is desirable.

Responsibilities

• Manage the team in the absence of the Team Leader.
• Underwrite large loan applications up to £250k.
• Maintain broker relationships and ensure compliance with regulations.

Skills

Teamwork

Attention to detail

Education

Minimum of 5 GCSEs A-C (Including Maths and English)

Job description

Are you an experienced underwriter who enjoys taking ownership, supporting others, and stepping up in a leadership capacity when needed?

Do you thrive in a fast-paced lending environment where broker relationships, risk appetite, and regulatory compliance are equally important?

Are you confident underwriting higher-value cases while mentoring colleagues and helping drive team performance?

If this sounds like you, then this could be the perfect next step in your career. Apply today and let’s grow together at West One Loans.

Key Accountabilities

• Take ownership of tasks delegated from the Team Leader such as UAT testing , product set up in fusion, update procedure documents , etc ….

• Manage the Team in the absence of the Team Leader.

• To assist in the training, mentoring and be a referral point to less experienced members of the team.

• Be a referral point for broker support for queries on applications in the absence / unavailability of the Team Leader.

• Maintain broker relationships that are integral to the growth for West One Secured Loans.

• Promote our Team Ethic.

• Ensure all underwriting is in line with Company policy and within regulation.

• Underwrite large loan applications (up to £250k) and maintain a pipeline of cases.

• Liaising with introducers, valuers and solicitors ensuring an excellent relationship is maintained.

• Ensure that all cases are Underwritten within the Groups Risk appetite.

Skills & Competencies

• Ability to work as part of a team.

• Pass internal competency tests post induction.

• High attention to detail.

Knowledge & Qualifications

• A strong understanding of FCA regulation

• CeMAP (desirable, not essential).

• Minimum of 5 GCSEs A-C (Including Maths and English).

Personal Attributes

• Flexible.

• Articulate.

• Well organised.

• Robust and comfortable working to deadline and under pressure.

Why Join Us?

At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support to succeed while offering clear opportunities to progress your career. Alongside this, we provide a great range of benefits - from private medical healthcare to paid volunteer days off.

If you’re ready to build your career in 2nd Charge Underwriting and make an impact - click apply today!