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 team