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MORTGAGE UNDERWRITER
Job Posted: 2 days ago
Salary: £ 45,000 - 50,000 / Annum
Job Type: Permanent
Location: WD17, Watford, Hertfordshire
Expire in: a month
Job Description
Mortgage Underwriter
Location: Watford | Office Based
We are looking for a detail-oriented Underwriter to join a busy lending team. You will be responsible for assessing, evaluating, and making lending decisions on 1st, 2nd, or bridging charge applications, depending on your experience.
Benefits:
* Competitive salary
* Full-time/ permanent position
* Career progression
* Supportive team environment
* Opportunity for professional growth within lending
* Attractive overall package and bonuses
Key Responsibilities:
* Case Management: Take ownership of an allocated pipeline of cases and manage them efficiently.
* Risk Assessment: Assess mortgage or loan applications to ensure they meet underwriting criteria and risk appetite, including evaluating the "five Cs" of credit: character, capacity, capital, collateral, and conditions.
* Documentation and Data Entry: Enter and update borrower data on the internal lending platform (Fusion), ensuring all details are accurate.
* Liaison and Communication: Proactively communicate with and chase third parties, including brokers, valuers, and solicitors, for outstanding information. Underwriters typically do not communicate directly with the borrower.
* Compliance: Ensure all underwriting activities adhere to company policy, relevant regulations (such as FCA guidelines for regulated loans), and responsible lending principles.
* Referrals: Recommend and refer complex cases to the Credit Committee when required for approval.
Requirements:
* Minimum 12 months’ experience as an underwriter, ideally in 1st, 2nd, or bridging finance lending
* Strong analytical skills and attention to detail
* Excellent communication skills
* Ability to work effectively in a busy office environment
Apply now to join a dynamic underwriting teamBefore You Apply
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