ng guidelines and regulatory standards.

Shift & Working Days:

Key Responsibilities:

Underwriting Activities: Review, analyse, and approve/deny mortgage applications based on risk assessment and investor guidelines.
4 C's of Underwriting: Evaluate borrower's Credit, Capacity, Collateral, and Capital to determine loan eligibility.
Income Calculation: Assess borrower income using tax returns, W-2s, pay stubs, and financial statements.
Risk Assessment: Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making.
Compliance & Quality Control: Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards.
Collaboration: Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process.

Requirements:

Experience: Minimum 2 years in mortgage underwriting, preferably in U.S. or U.K. or global residential loans.
Attention to Detail: Strong analytical skills to assess financial documents and property risks accurately.
Communication: Ability to articulate underwriting decisions effectively to internal teams and external stakeholders.

U.K Mortgage Underwriter