Mortgage Underwriter

About the Role

Our client is seeking a detail-oriented and diligent Mortgage Underwriter to join their established lending team in Cardiff . In this crucial role, you will be responsible for assessing the risk associated with mortgage applications, ensuring compliance with company policies and regulatory requirements. You will play a key part in safeguarding the company's assets while facilitating homeownership for a diverse range of clients. This position is vital for maintaining the integrity of the loan portfolio and requires a meticulous approach to evaluating financial documentation and borrower profiles within the vibrant Welsh capital.

Key Responsibilities

• Review and analyze mortgage loan applications, including credit reports, income verification, and property appraisals.
• Determine loan eligibility and risk based on established underwriting guidelines and policies.
• Ensure compliance with all federal, state, and local lending regulations and requirements.
• Communicate effectively with loan officers, brokers, and applicants to gather necessary information or clarify details.
• Approve or deny loan applications, providing clear and concise justifications for decisions.
• Maintain accurate and complete loan files, documenting all underwriting actions and decisions.

Requirements

• Proven experience as a Mortgage Underwriter or in a similar lending role.
• Strong understanding of mortgage lending regulations, compliance, and industry best practices.
• Proficiency in loan origination software and underwriting platforms.
• Excellent analytical skills with a keen eye for detail in reviewing financial documents.
• Ability to manage a high volume of applications while maintaining accuracy and thoroughness.

Benefits

• Competitive annual salary.
• Health, dental, and vision insurance benefits.
• Paid time off and holiday leave.
• Opportunities for professional development and training in mortgage lending.
• Retirement savings plan options.