Second Charge Underwriter

Job description

At Selina Finance, our mission is to give people access to the wealth they have in their homes, and we’re doing that by building a next-generation digital lender – starting with a home equity loan product. More than £2tn equity value is locked up in UK homes, while homeowners still need to rely on high-interest rate consumer loans, credit cards or overdrafts. We believe this is unfair and unnecessary. We offer a financing product unlike anything else out there, one that is as flexible as a current account, as affordable as a mortgage, and as easy to apply for as a consumer loan. If you want to build up an innovative FinTech with us, join our team!

What you'll do:

You’ll be right in the heart of the action here at Selina. We’re looking for a driven yet diligent teammate to ensure we can meet our ambitious growth plans.

Loan processing

  • Ensure efficient, world-class processing of the credit underwriting of loan cases
  • Analyze and verify income sources, bank statements and credit commitments
  • Work with our ambitious BDM team and Masterbrokers directly to ensure that cases are underwritten based on full information
  • Structure, negotiate and analyse proposals for approval under own authority or recommended to credit for approval.

Training, QA and process improvement

  • Train, coach and mentor junior underwriters
  • Perform Quality Assurance and four-eyes checks
  • Bring in your own ideas to improve our underwriting processes

    Job requirements

    • At least 2 years’ experience underwriting second charge mortgages
    • You want to be involved and shape an early stage start-up
    • You want to solve problems for customers and have a get-things-done mentality
    • You are a great communicator with an ability to manage conflicting & demanding situations

    What we offer

    • 25 days holiday
    • Company contributory pension scheme
    • A values-based culture
    • A supportive, driven culture and a great team with an outstanding mix of talent and experience
    • A dynamic environment in which you can personally learn, develop and make an impact
    • Strong involvement in shaping a young FinTech business from its early days
    • Breakfast, fresh fruit and snacks and a programme of team social events