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Credit Underwriter 40k Contract 6 mth

Job description

Credit Underwriter

Residential Mortgages

The purpose of the Credit Underwriter is to conduct credit analysis and support the underwriting of mortgages in accordance with the company's criteria & policies ensuring that risk & credit worthiness is assessed in accordance with the company's credit policy & delivered within required time frames whilst providing exemplary customer service

Duties & Responsibilities

Credit Assessment

  • Prepare, review & analyse credit worthiness and risk implications of lending applications ensuring adherence to company policy & process measures 
  • Complete financial analysis narrative & make informed lending decisions
  • Assess credit reports, proof of income, bank statements, statement of affairs & any other supporting documentation at the borrower level
  • Ensure the accuracy & completeness of data supporting applications as per agreed policy & criteria
  • Ensure the availability & accessibility of all necessary documentation

Compliance & Risk Management

  • Ensure Delegated Credit Authority is exercised
  • Applications above delegated underwriting authority make recommendations & present to management
  • Proactively monitor credit policy & performance on an ongoing basis
  • Liaise with the company's internal compliance team to ensure all policies & procedures are in line with current regulations
  • Control quality of business approved by ensuring policy & process measures are adhered to
  • Ensure operational & regulatory compliance throughout the process

Customer Service

  • Maintain relationships with key stakeholders to promote credit policy whilst maximising new opportunities
  • Provision of exemplary levels of service to both internal & external customers
  • Ongoing strong communication & turnaround times associated with business processing
  • Flexible yet commercially sound underwriting in line with the company's guidelines

Skills & Experience

  • Degree qualified
  • QFA qualified or at least APA'd
  • Credit Underwriting experience
  • Credit Assessment Process
  • Operational Risk Assessment

If you are matching the criteria mentioned in this job description and would like to apply please call Annmarie on 01 4744645 or send your CV to ahendrick@sigmar.ie for consideration

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