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Second Charge Administrator

This role will be responsible for supporting the second charge mortgage underwriters and when required advisers in the administration of second charge mortgages, consumer buy to lets and buy to let cases. This role is key to ensuring EFL services it customers effectively, with clear and accurate communication, ensuring an efficient and clear customer journey takes place, specifically involving correctly submitting mortgage illustrations, application paperwork and ensuring the CRM is maintained and up to date with the activities undertaken by the administrators and answering and dealing with queries from brokers and customers.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.

Job Description

Key Accountabilities

  • Working with advisers, underwriters, and clients to get client applications through a process to completion
  • Act as a point of contact for clients, keeping them up to date with their cases promptly
  • Ensuring that all documentation is correct and compliant
  • Maintaining the client management systems, files and reports.
  • Submitting the necessary supporting information to the lender to support the application
  • Provide key information to underwriters, Underwriting Team Leader and senior managers as required
  • Adhere to all regulatory requirements
  • Adhere to DPA requirements
  • Keep abreast of all process and procedural changes
  • Using all systems appropriately and compliantly that requested to be used by the business
  • Deal with customer queries or complaints timely
  • Keep up to date on lender criteria, knowledge of seconds, CBTL’s, BTL’s and regulation
  • Pass annual assessments and tests

Skills & Competencies

  • Pass internal competency tests post induction
  • Experience in mortgages preferred
  • Team player
  • Self-motivated
  • Good communication skills essential for dealing with brokers, borrowers and lenders
  • Proactive

Knowledge & Qualifications

  • IT literate with advanced Excel skills

Personal Attributes

  • Excellent communication skills
  • Excellent analytical skills
  • Resilient and flexible
  • Team Player
  • Approachable and self-motivated
  • Proactive and able to identify and highlight areas of opportunity or improvement and advise on actions required
  • Ability to analyse and present complex information in a clear, relevant and interesting way

How these will be demonstrated in the role


Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.


Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.


Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Submit your C.V.