Job Title: Second Charge Mortgage Underwriter  Working Pattern: Monday to Friday, 36.25 hours per week (shifts between 8am to 6pm for example 8am-4pm/9am-5pm/10am-6pm)  Salary: £25,300 and up to 20% annual bonus and company benefits  Location: 5 days a week in our Blackpool office (FY4 2FB) with some flexibility for hybrid after passing probationAt Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated team player, ready to make an impact, we've got a space with your name on it! As a Second Charge Mortgage Underwriter you will accurately review and underwrite Second Charge Mortgage applications. Verifying, updating and considering the overall lend whilst effectively managing an active pipeline, communicating with both customers and brokers verbally and via email.  We are Tandem - Where impact meets innovation  Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share – all while nurturing our planet, our people and our customers. As one of Europe’s fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.  Your team: Collaborators in change  Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.    You will be joining a fast paced, hardworking and supportive team who enjoy a little healthy competition.      Your Impact: Building a greener tomorrow  As a Second Charge Mortgage Underwriter at Tandem your responsibilities will be to:  <ul><li>Review and accurately underwrite 2nd Charge Mortgage applications in line with our Responsible Lending Policy, Lending criteria and agreed service levels. </li><li>Obtain relevant mandates. </li><li>Accurately update relevant systems with the application detail. </li><li>Request additional requirements needed to process the application.  </li><li>Communicate clearly both in writing and verbally with brokers/customers throughout the underwriting process providing timely updates. </li><li>Effectively manage a pipeline of second charge mortgage applications from pack submission to completion. </li></ul>Although these are the main responsibilities this is not an exhausted list. We’d love to hear from you if you have: <ul><li>Computer skills including full Microsoft office package. </li><li>Enjoy working as part of a Team and also able to work as an individual. </li><li>Able to effectively manage your day and prioritise your workload. </li><li>Able to adapt quickly if priorities change. </li><li>Able to demonstrate consistency.  </li></ul>It would be great, but not essential if you have: <ul><li>Experience in underwriting/processing Mortgage applications. </li><li>Experience/knowledge of 2nd charge lending market. </li><li>Experience/knowledge of the regulations we work within.  </li></ul>Rewards that reflect your value, what’s in it for you?    At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us:   <ul><li>25 days annual leave plus 8 days Bank Holiday   </li><li>An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc </li><li>Buy or sell up to 5 days holiday a year </li><li>Healthcare cash plan through Westfield Health worth a minimum of £750 per year </li><li>Electric Vehicle salary sacrifice scheme    </li><li>Cycle to Work salary sacrifice scheme and a free helmet   </li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) </li><li>Smart Tech scheme (buy goods with 0% interest) </li><li>10% discount on solar panels </li><li>Tandem Hub for treats, cash back and discounts on UK retailers    </li><li>2 days per year paid volunteering    </li><li>Free cereal, snacks and drinks in all offices </li><li>Quarterly team social budgets  </li></ul>Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: <ul><li>Volunteer 2 days a year for charity &gt; receive an early Friday finish  </li><li>Raise £200 per annum for charity &gt; Tandem provide PR and marketing support  </li><li>Have renewable energy at home &gt; receive an additional 1 day annual leave  </li><li>Drive an electric car &gt; receive £500 towards a home charger  </li></ul>Ready to make your mark?  Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments.  Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.    Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.  #INDSJ

Tandem Bank - Banking for a greener future. Experts in savings, lending and green consumer finance, we pioneer smart products and new technology to remove financial barriers and make it easier to manage your money. From big decisions like green mortgages and green home improvements loans, to everyday choices that help you make the most of your money, we support customers to make choices that are better for them and for the planet.

Second Charge Mortgage Underwriter 

Job Title: Second Charge Mortgage Underwriter&nbsp; Working Pattern: Monday to Friday, 36.25 hours per week (shifts between 8am to 6pm for example 8am-4pm/9am-5pm/10am-6pm)&nbsp; Salary: £25,300 and up to 20% annual bonus and company benefits&nbsp; Location: 5 days a week in our Blackpool office (FY4 2FB) with some flexibility for hybrid after passing probationAt Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated team player, ready to make an impact, we've got a space with your name on it!&nbsp;As a Second Charge Mortgage Underwriter you will accurately review and underwrite Second&nbsp;Charge Mortgage applications. Verifying, updating and considering the overall lend whilst effectively managing an active pipeline, communicating with both customers and brokers verbally and via email.&nbsp;&nbsp;We are Tandem - Where impact meets innovation&nbsp;&nbsp;Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share – all while nurturing our planet, our people and our customers. As one of Europe’s fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.&nbsp;&nbsp;Your team: Collaborators in change&nbsp;&nbsp;Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.&nbsp; &nbsp; You will be joining a fast paced, hardworking and supportive team who enjoy a little healthy competition.&nbsp;&nbsp; &nbsp;&nbsp; Your Impact: Building a greener tomorrow&nbsp;&nbsp;As a Second Charge Mortgage Underwriter&nbsp;at Tandem your responsibilities will be to: &nbsp;<ul><li>Review and accurately underwrite 2nd Charge Mortgage applications in line with our Responsible Lending Policy, Lending criteria and agreed service levels.&nbsp;</li><li>Obtain relevant mandates.&nbsp;</li><li>Accurately update relevant systems with the application detail.&nbsp;</li><li>Request additional requirements needed to process the application.&nbsp;&nbsp;</li><li>Communicate clearly both in writing and verbally with brokers/customers throughout the underwriting process providing timely updates.&nbsp;</li><li>Effectively manage a pipeline of second charge mortgage applications from pack submission to completion.&nbsp;</li></ul>Although these are the main responsibilities this is not an exhausted list.&nbsp;We’d love to hear from you if you have:&nbsp;<ul><li>Computer skills including full Microsoft office package.&nbsp;</li><li>Enjoy working as part of a Team and also able to work as an individual.&nbsp;</li><li>Able to effectively manage your day and prioritise your workload.&nbsp;</li><li>Able to adapt quickly if priorities change.&nbsp;</li><li>Able to demonstrate consistency. &nbsp;</li></ul>It would be great, but not essential if you have:&nbsp;<ul><li>Experience in underwriting/processing Mortgage applications.&nbsp;</li><li>Experience/knowledge of 2nd charge lending market.&nbsp;</li><li>Experience/knowledge of the regulations we work within. &nbsp;</li></ul>Rewards that reflect your value, what’s in it for you?&nbsp; &nbsp; At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us:&nbsp; &nbsp;<ul><li>25 days annual leave plus 8 days Bank Holiday&nbsp;&nbsp;&nbsp;</li><li>An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc&nbsp;</li><li>Buy or sell up to 5 days holiday a year&nbsp;</li><li>Healthcare cash plan through Westfield Health worth a minimum of £750 per year&nbsp;</li><li>Electric Vehicle salary sacrifice scheme&nbsp;&nbsp;&nbsp;&nbsp;</li><li>Cycle to Work salary sacrifice scheme and a free helmet&nbsp;&nbsp;&nbsp;</li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)&nbsp;</li><li>Smart Tech scheme (buy goods with 0% interest)&nbsp;</li><li>10% discount on solar panels&nbsp;</li><li>Tandem Hub for treats, cash back and discounts on UK retailers&nbsp;&nbsp;&nbsp;&nbsp;</li><li>2 days per year paid volunteering&nbsp;&nbsp;&nbsp;&nbsp;</li><li>Free cereal, snacks and drinks in all offices&nbsp;</li><li>Quarterly team social budgets &nbsp;</li></ul>Our Green Deal: Your Impact Amplified&nbsp;A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:&nbsp;<ul><li>Volunteer 2 days a year for charity &gt; receive an early Friday finish&nbsp;&nbsp;</li><li>Raise £200 per annum for charity &gt; Tandem provide PR and marketing support&nbsp;&nbsp;</li><li>Have renewable energy at home &gt; receive an additional 1 day annual leave&nbsp;&nbsp;</li><li>Drive an electric car &gt; receive £500 towards a home charger &nbsp;</li></ul>Ready to make your mark?&nbsp;&nbsp;Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments.&nbsp;&nbsp;Sourcing Model&nbsp;Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.&nbsp; &nbsp; Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.&nbsp;&nbsp;Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.&nbsp; #INDSJ&nbsp;

Second Charge Mortgage Underwriter

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