Are you an experienced mortgage underwriter looking to elevate your career within a forward-thinking financial services company?Our client, a trailblazer in the UK financial services market, combines deep industry expertise with fresh, innovative ideas to offer tailored solutions to high-net-worth individuals and real estate investors.About the CompanyThe company has been built by an experienced team from a broad range of backgrounds who all recognise the enormous potential for new ideas in the UK financial services market. They take the best of their combined experience in product design, distribution, credit, finance, technology and operations to deliver exceptional value to customers and shareholders.Offering savings products designed to provide customers with consistent returns. Using those funds, they deliver unique mortgage solutions to help high net worth individuals and real estate investors to make the most out of their property assets. The Mortgage Underwriter - Bridging Finance roleAs a mortgage underwriter specialising in a variety of Bridging Finance, you will play a critical role in the lending process by assessing and evaluating mortgage applications to determine their creditworthiness and adherence to lending guidelines. You will analyse borrower information, financial documents, and property data to make informed decisions regarding loan approval and risk assessment. Mortgage Underwriter - Bridging Finance key Responsibilities:

Review and analyse mortgage applications, including borrower financials, property details, and risk factors, to determine the feasibility of granting loans.
Conduct thorough risk assessments by evaluating borrower creditworthiness, property valuation reports, rental income potential, and market trends, ensuring the viability and profitability of the investment.
Ensure compliance with the company's lending policies, underwriting guidelines, and regulatory requirements throughout the mortgage underwriting process.
Verify and validate borrower documentation, such as income statements, tax returns, bank statements, and legal agreements, to ensure accuracy and authenticity.
Collaborate effectively with mortgage originators, borrowers, appraisers, solicitors, and other stakeholders to gather information, resolve discrepancies, and provide timely updates on loan decisions.
Make informed decisions on mortgage applications based on thorough analysis, balancing risk factors, borrower qualifications, property value, and potential returns.
Identify potential risks and propose risk mitigation strategies to minimise losses and protect the interests of the lending institution.

The Mortgage Underwriter - Bridging Finance package

Basic Salary £45k
Annual individual and company performance bonus
25 days holidays per year + bank holidays
Generous pension contribution
Additional benefits
Flexible working can be discussed on requirements

Mortgage Underwriter - Bridging Finance desired skill and experience

A solid background in mortgage underwriting, with specific experience in bridging finance
Strong knowledge of mortgage lending policies, underwriting guidelines, and regulatory compliance.
Ability to analyse financial statements, assess risk, and make informed lending decisions.
Excellent attention to detail and accuracy in reviewing and verifying borrower documentation.
Effective communication and interpersonal skills to collaborate with various stakeholders.
Sound judgement and decision-making abilities, considering multiple factors and risk variables.
Strong organisational skills to manage a high volume of mortgage applications within established timelines.

Think that this role is right for you? Contact us to arrange a call, we’d love to find out more about you.

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