Mortgage Credit Underwriter

Job description

Job: Mortgage Credit Underwriter

Location: Dublin 4 

Salary: 40K DOE

Contract: 6-month contract initially

Job Requirements:

  • Degree in Business/Finance or equivalent;
  • Desirable QFA but must be an Approved Product Advisor (APA);
  • Previous credit underwriting experience;
  • Experience of and ability to work in a fast paced and high energy environment;
  • Credit Assessment - Ability to understand and appropriately utilise systems and processes for credit and operational risk assessment;
  • Legal and Compliance – Ability to understand and utilise legislative requirements to meet regulatory obligations of the organization;
  • Risk - Ability to assess and mitigate risk for the benefit of the organisation;
  • IT Knowledge - Ability to understand and utilise technology to achieve required position outcomes;
  • Accuracy and Quality - Ability to deliver good quality and accurate work;
  • Analytical Thinking - Ability to tackle a problem by using a logical, systematic, sequential approach;
  • Customer Service and Commercial Awareness – The drive to understand, agree and satisfy customer requirements (internal & external) and deliver a high-quality service to them. Also, an awareness of the commercial impact of what you do;
  • Delivery - Understanding that ‘delivery’ is paramount to business success and is committed to performing task and achieving results. 

Job Responsibilities: 

Credit Assessment

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

 Compliance and Risk Management

  • Ensure the Delegated Credit Authority is exercised;
  • For applications above the delegated underwriting authority make recommendations and present to management;
  • Proactively monitor credit policy and performance on an ongoing basis;
  • Liaise with the company's internal Compliance team to ensure that all policies and procedures are in line with current regulation;
  • Control the quality of the business approved by ensuring policy and process measures are adhered to;
  • Ensure operational and 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 and external customers;
  • Ongoing strong communication and turnaround times associated with business processing;
  • Flexible yet commercially sound underwriting in line with guidelines.

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