Mortgage Underwriter

About the Role

Our client is seeking an experienced and meticulous Mortgage Underwriter to join their established lending team in Manchester . This role is crucial in assessing the risk associated with mortgage applications, ensuring compliance with company policies and regulatory requirements. You will be responsible for reviewing loan documentation, analyzing borrower creditworthiness, and making sound lending decisions. This is an opportunity to contribute to a vital part of the financial services sector, working within a structured and professional office environment dedicated to upholding lending integrity and customer service excellence.

Key Responsibilities

• Evaluate mortgage loan applications, assessing credit risk, income stability, and collateral value.
• Analyze financial statements, credit reports, and employment verification to determine borrower eligibility.
• Ensure all underwriting decisions comply with relevant federal and state lending regulations, as well as internal policies.
• Communicate effectively with loan officers, brokers, and clients to gather necessary information and explain underwriting decisions.
• Approve, decline, or counter-offer loan applications based on established lending guidelines.
• Maintain accurate and detailed records of underwriting decisions and justifications within the loan origination system.

Requirements

• Proven experience as a Mortgage Underwriter or in a similar lending role.
• Thorough understanding of mortgage lending regulations and underwriting principles.
• Strong analytical and decision-making skills with a keen eye for detail.
• Proficiency in using loan origination software and related underwriting tools.
• Excellent communication and interpersonal skills for effective collaboration.
• High school diploma or equivalent; relevant certifications are a plus.

Benefits

• Competitive annual salary and potential for annual bonuses.
• Comprehensive health, dental, and vision insurance.
• Generous paid time off and bank holidays.
• Opportunities for ongoing training and professional development in the mortgage industry.
• Secure, stable employment within a reputable financial institution.