Case Manager - Second Charge Mortgages

Second Charge Case Manager

Location: Warrington Basic salary: £30,000 OTE: £45,000 (uncapped) Hours: Full time, Monday to Friday

Please read before applying: this role is only open to candidates currently working in second charge / secured loans. We are not able to consider applicants from first charge mortgage, bridging or other lending backgrounds for this position. If your current role is not second charge, please do not apply.

The opportunity We are working with an established secured loan and second charge specialist in Warrington who are growing their case management team. They work a wide panel of UK secured lenders and have a strong reputation for service, and they are looking for an experienced second charge case manager who wants to own their cases properly.

This is a role for someone who already lives and breathes second charge. You will sit alongside the advisors, taking each case from agreement in principle through to completion, packaging it to the right lender and keeping it moving so nothing stalls and nothing slips. The OTE is uncapped and tied to your completions, so the more cases you convert and complete, the more you earn.

What you will be doing • Managing a pipeline of second charge and secured loan cases end to end, from sale and DIP through to offer and completion

• Packaging cases to the right lender on the panel, presenting them cleanly against criteria the first time


• Keeping customers updated throughout, setting clear expectations on timescales and chasing outstanding items proactively


• Reviewing supporting documentation, including payslips, bank statements, proof of ID and residency, existing mortgage statements, credit reports and affordability evidence


• Ordering and reviewing valuations (AVM, drive by and full) and resolving anything that comes back


• Liaising with lenders, underwriters, valuers and solicitors to keep every case moving and clear sticking points quickly


• Working cases to completion within agreed SLAs and protecting the customer experience the whole way through


• Keeping accurate, up to date records on the case management system


• Working within FCA and CONC requirements, treating customers fairly, and handling vulnerable customers appropriately

What we are looking for • Currently working in a second charge or secured loan case management, processing or support role (this is essential, not a nice to have)

• A strong understanding of the second charge process and what a clean, well packaged case looks like


• Working knowledge of secured lender criteria, affordability and the basics of underwriting


• Excellent communication skills and the confidence to keep customers and lenders moving


• Highly organised, able to run a busy and varied pipeline without dropping cases


• A proactive mindset, someone who picks up the phone and gets the answer rather than waiting on email


• CeMAP, or working towards it, is desirable but not essential

What is on offer • £30,000 basic with a genuine, uncapped route to £45,000 OTE

• A commission structure tied to your own completions, with real headroom


• A growing, well regarded business where there is room to progress


• Standard company benefits and a supportive, experienced team around you

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