Mortgage Underwriter

About the Role

Our client is seeking a diligent and experienced Mortgage Underwriter to join their team in Bradford . In this role, you will be responsible for evaluating loan applications to assess creditworthiness and ensure adherence to company policies and regulatory guidelines. Your meticulous attention to detail and sound judgment will be critical in making informed decisions that minimize risk while facilitating business growth. This is an excellent opportunity to join a reputable financial institution and contribute directly to the success of their lending operations in a structured, office-based environment.

Key Responsibilities

• Review and analyze mortgage loan applications, including credit reports, income verification, and property appraisals.
• Determine loan eligibility based on established underwriting guidelines and risk tolerance.
• Ensure compliance with all relevant federal, state, and local regulations (e.g., HM Treasury guidelines).
• Communicate effectively with loan officers, brokers, and applicants to gather necessary documentation and clarify information.
• Identify and mitigate potential risks associated with loan applications.
• Maintain accurate and detailed records of underwriting decisions and loan documentation.

Requirements

• Proven experience as a Mortgage Underwriter or in a similar lending role.
• Solid understanding of mortgage lending policies, procedures, and regulatory requirements.
• Proficiency in using underwriting software and loan origination systems.
• Excellent analytical skills with a keen eye for detail.
• Strong decision-making abilities and sound judgment.
• Effective communication and interpersonal skills.

Benefits

• Competitive salary and potential for performance-based bonuses.
• Comprehensive benefits package including health insurance and pension plan.
• Opportunities for professional development and continued education in mortgage lending.
• A supportive team environment within our Bradford office.
• Stable career path within the financial services industry.