Mortgage Underwriter

About the Role

Our client is seeking a detail-oriented Mortgage Underwriter to join their team in Bradford , working a hybrid schedule. This critical role involves assessing the risk associated with mortgage applications, ensuring compliance with lending policies and regulatory requirements. You will be responsible for making informed decisions on loan approvals, providing essential services to clients seeking homeownership. This is an excellent opportunity to build a career within a reputable financial institution, contributing to sound lending practices and supporting customers through a significant life event.

Key Responsibilities

• Review and analyze mortgage loan applications, including credit reports, financial statements, and property valuations.
• Determine loan eligibility and assess risk based on established lending guidelines and policies.
• Ensure all loan documentation is accurate, complete, and compliant with relevant regulations.
• Communicate loan decisions and conditions clearly to loan officers and applicants.
• Identify and resolve discrepancies or missing information in application packages.
• Stay updated on industry best practices and changes in mortgage lending regulations.

Requirements

• Bachelor's degree in Finance, Business, or a related field, or equivalent experience.
• Minimum of 3 years of experience in mortgage underwriting or loan processing.
• Solid understanding of lending policies, credit analysis, and risk assessment principles.
• Proficiency with underwriting software and MS Office Suite.
• Strong analytical and decision-making skills.
• Excellent attention to detail and organizational abilities, especially in a hybrid work environment.

Benefits

• Competitive salary package.
• Hybrid work arrangement allowing for a blend of office and remote work.
• Health, dental, and vision insurance coverage.
• Retirement savings plan options.
• Ongoing training and professional development opportunities.