Mortgage Underwriter

As an Underwriter, you will accurately underwrite, mandate and complete mortgage and secured loan applications as part of our Charles Street division. You will ensure that we minimise risk to the business and reach the right customer outcome. Focusing on service delivery by following the lending criteria, policies and procedures, you will proactively manage broker relationships by acting as a point of contact for our brokers and delivering a seamless level of service to increase future business.

As an Underwriter, we are looking for someone to:

• Assess all cases from direct customers to make informed underwriting decisions that are in line with company policies, procedures and lending criteria
• Assess the risk and provide a rationale on each application ensuring that the loan is affordable, and sustainable
• Provide mortgage offers in accordance with agreed service levels
• Identify cases of potential fraud at all stages of an application, ensuring timely investigation, escalation and reporting to minimise risk to the business and customer
• Manage the end-to-end pipeline of cases for both pre- and post-offer, using a proactive approach in managing brokers and third parties to ensure Service Level Agreements (SLAs) are met
• Liaise directly with acting solicitors to obtain the required completion documentation before ensuring funds are drawn down in line with the agreed completion dates
• Act as a point of contact for customers to answer their general and case specific queries

Requirements

Essential

• Previous underwriting experience within the secured lending and commercial mortgage market
• Excellent attention to detail
• Ability to make positive lending decisions
• Ability to work under pressure and to strict deadlines
• Excellent communication skills
• Experience of dealing with customers
• Experience of managing broker relationships
• Strong planning and organisational skills
• Possess strong objection handling and problem solving skills