U.K Mortgage Underwriter

As a skilled U.K. Mortgage Underwriter, you will be responsible for reviewing and analyzing mortgage applications, evaluating borrowers based on the 4 Cs of underwriting (Credit, Capacity, Collateral, and Capital), and ensuring compliance with underwriting guidelines and regulatory standards. Your key responsibilities will include: - Reviewing, analyzing, and approving/denying mortgage applications based on risk assessment and investor guidelines. - Evaluating borrowers" Credit, Capacity, Collateral, and Capital to determine loan eligibility. - Analyzing creditworthiness, property valuation, and overall lending risks for sound decision-making. - Ensuring compliance with federal, state, and investor regulations, while maintaining high-quality underwriting standards. - Collaborating with loan officers, processors, and other stakeholders to streamline the underwriting process. To qualify for this position, you should have a minimum of 2 years of experience in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. Strong attention to detail and analytical skills are essential for accurately assessing financial documents and property risks. Additionally, effective communication skills are required to articulate underwriting decisions to internal teams and external stakeholders. Please note the shift timings for this role are U.K (11am - 11pm) with 5 working days in a week.,