Mortgage Underwriter

About the Role

Our client is seeking an experienced and diligent Mortgage Underwriter to join their established team in Belfast . This hybrid role involves evaluating mortgage applications to assess risk and ensure compliance with lending guidelines and regulatory requirements. You will work collaboratively with loan officers and processors, making critical decisions that impact the organisation's loan portfolio. This is an excellent opportunity for a skilled underwriter to contribute to a reputable financial institution, balancing remote work with essential office-based collaboration.

Key Responsibilities

• Review and analyze mortgage loan applications, including credit reports, income verification, and property appraisals.
• Determine the eligibility of applicants and assess the associated risks based on established lending policies and guidelines.
• Ensure compliance with all federal, state, and local regulations governing mortgage lending.
• Communicate underwriting decisions and conditions clearly to loan officers and other relevant parties.
• Manage a pipeline of mortgage applications, ensuring timely processing and decision-making.
• Stay updated on changes in mortgage products, policies, and regulatory requirements.

Requirements

• Proven experience as a Mortgage Underwriter, with a strong understanding of underwriting principles.
• Solid knowledge of mortgage lending regulations and industry best practices.
• Excellent analytical and decision-making skills, with a keen eye for detail.
• Proficiency in mortgage origination software and Microsoft Office Suite.
• Strong communication and interpersonal skills.

Benefits

• Competitive salary with potential for performance incentives.
• Hybrid work model offering a mix of remote flexibility and in-office collaboration.
• Comprehensive health and wellness benefits.
• Retirement savings plan options.
• Opportunities for professional growth and development in the mortgage industry.