{"id":508761,"url":"https://alion.io/job/abound-second-charge-mortgage-underwriter","title":"Second Charge Mortgage Underwriter","company":{"id":450346,"name":"Abound","domain":"getabound.com","url":"https://alion.io/company/abound-4","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"A","score":91,"open_postings":6,"ghost_share":0,"stale_share":0.167,"repost_share":0,"time_to_fill_p50_days":98,"computed_at":"2026-11-02T06:13:15Z"}},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":41000,"max_usd":78000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":49},"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-08-21T15:13:53Z","employer_posted_date":"2026-08-21","last_verified_at":"2026-11-03T02:26:17Z","board_verified":true,"closed_at":null,"days_open":73,"trust":{"level":"ok","repost_count":0,"flags":[],"days_open":72},"description":"About Abound\nWe’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.\nAnd we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.\nBacked by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.\nAbout the Role\nWe're looking for an experienced Second Charge Mortgage Underwriter to join our underwriting team.\nThis is an exciting opportunity to join a successful business that is expanding into secured lending. We are bringing Open banking and AI to the secured lending process to save customers money.\nWe are looking for someone with strong property underwriter experience in a second charge lending space, someone who can work to targets and thrives in a startup environment.\nWe have great opportunities for progression in an ever-growing business.\nAbout the Team\nUnlike traditional lenders, we’re focused on doing things differently. Our underwriting approach combines a state-of-the-art in-house built technology that blends traditional lending methods with Open Banking analysis to create a smoother and more flexible experience for our customers.\nWe work together to our common goals using Ai to assist our daily lives. We are always working towards improvement and encourage feedback from everyone; you can see your ideas comes to life.\nWorking Hours\nMonday to Friday, 9:00am - 6:00pm\nWhat You'll Be Doing\nAssess and underwrite second charge mortgage applications, using Open banking, affordability, credit history, and security property details against lending policy and regulatory requirements\n\nLiaise directly with brokers, request further information, and keep cases progressing to completion within SLA\n\nEnsure every decision is fully documented and auditable, meeting FCA and internal compliance standards (including affordability, vulnerable customer, and consumer duty requirements)\n\nProvide clear, constructive feedback to brokers and internal sales teams on declined or conditioned cases\n\nContribute to the continuous improvement of underwriting policy, criteria, and process as the second charge product and book matures\n\nWork cross-functionally with Risk, Compliance, and Operations to ensure underwriting practices support both growth and good customer outcomes.\n\nSkills & Experience\nMinimum of 2 years' experience in second charge mortgages\n\nYou'll be comfortable working to targets, driving month-on-month growth as the book expands.\n\nGood understanding of property as security - including valuation approaches, equity position, LTV and combined LTV calculations, existing charge structures, and title issues - with the ability to lead confidently on lending decisions where property equity is the primary basis for risk.\n\nStrong working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations, with the credibility to interpret and apply these commercially.\n\nProven track record in manual underwriting of complex, high-value, and non-standard cases, with the judgement to make balanced decisions beyond a tick-box approach.\n\nRelevant industry qualifications (e.g., CeMAP, CeRER, DipFA or equivalent) are highly desirable.\n\nHow We Work\nWe prioritise sound credit decisions and continuous learning from outcomes.\nWe take ownership of our work and support one another to achieve shared goals.\nWe work collaboratively across the business and contribute beyond individual responsibilities.\nWe encourage open discussion, constructive challenge, and accountability.\nStrong performance and positive contribution are recognised and rewarded.\nWhat we offer\nEveryone owns a piece of the company - equity\n\nHybrid with 3 days a week in the office\n\n25 days’ holiday a year, plus 8 bank holidays\n\n2 paid volunteering days per year\n\nOne month paid sabbatical after 4 years\n\nEmployee loan\n\nFree gym membership\n\nTeam wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering","description_format":"text","description_chars":4732,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Continuous learning","Equity","Gym membership","Paid volunteering days"],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops"],"lifecycle":[{"event":"open","at":"2026-09-07T13:35:16Z"}],"visa":[],"liveness":{"score":47,"band":"ok","label":"Likely open","p_open":1,"p_active":0.778,"p_room":0.6,"age_days":72,"expected_fill_days":98,"reasons":["conf:2","win:late","crowd:junior"],"computed_at":"2026-11-02T06:13:15Z"},"pay":null,"html_url":"https://alion.io/job/abound-second-charge-mortgage-underwriter","json_url":"https://alion.io/job/abound-second-charge-mortgage-underwriter.json","meta":{"generated_at":"2026-11-03T04:38:00Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":6277,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-04T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":450346},"rest":"https://alion.io/mcp/rest/get_company?id=450346"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fabound-second-charge-mortgage-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fabound-second-charge-mortgage-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fabound-second-charge-mortgage-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/abound-second-charge-mortgage-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fabound-second-charge-mortgage-underwriter"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":508761}},{"tool":"search_jobs","arguments":{"company":"getabound.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":508761},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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