Mortgage Underwriter

About the Role

Our client is looking for a detail-oriented Mortgage Underwriter to join their dedicated lending team based in Sunderland . In this role, you will be responsible for evaluating mortgage applications, assessing risk, and making informed decisions to approve or decline loans, ensuring compliance with company policies and regulatory standards. You will play a crucial role in the mortgage origination process, supporting responsible lending practices and contributing to the company's growth in the competitive mortgage market. This position offers a stable career path within the UK's property finance sector.

Key Responsibilities

• Review and analyze mortgage applications, including credit reports, income verification, and property valuations.
• Assess the risk profile of applicants and determine loan eligibility based on underwriting guidelines.
• Ensure all loan documentation is complete, accurate, and compliant with relevant regulations.
• Communicate loan decisions and requirements clearly to mortgage brokers and internal sales teams.
• Maintain up-to-date knowledge of mortgage products, industry trends, and regulatory changes in Sunderland .
• Work collaboratively with loan officers and processors to resolve any issues and facilitate efficient loan closings.

Requirements

• Proven experience as a Mortgage Underwriter or in a similar lending role.
• Thorough understanding of mortgage lending policies, procedures, and compliance requirements.
• Strong analytical skills with the ability to interpret complex financial information.
• Excellent attention to detail and commitment to accuracy in documentation.
• Proficiency in loan origination software and Microsoft Office Suite.
• Ability to manage a pipeline of applications efficiently and meet deadlines.

Benefits

• Competitive starting salary with opportunities for increases based on performance.
• Comprehensive benefits package including private healthcare and life assurance.
• Structured training and development programs for career progression.
• A supportive and team-oriented work environment.
• Company-supported professional development and industry qualifications.