Senior Mortgage Underwriter

Job DescriptionPurposeYou will be responsible for progressing mortgage applications from initial receipt through to mortgage offer. In making your decision, you will be involved in ensuring relevant information has been received about both the potential borrower and property to assess both meet MPowered Mortgage’s criteria and are suitable for lending.This is a varied role and requires good decision-making and communication skills whilst also needing individuals with an excellent eye for detail. In addition, the role will entail becoming familiar with digital lending and utilising the various technologies employed across the company's platform. Upon completion of your initial training the expectation is to achieve your initial mandate.Who are we looking for?3 years’ experience in a mortgage underwriting capacity.Specialist underwriting experience is preferred including self employed income assessment.Proven ability to exercise good commercial and professional judgment.Excellent communication skills, both written and verbal.PC literate with a good knowledge of Microsoft Office products.Technical literacy, either a basic understanding of coding languages or the capability to learn them while on the job would be beneficial.Previous exposure to automation and digital lending would be beneficial.Job Role AccountabilitiesWork to agreed objectives, service standards and deliverables.Ensure relevant documentation and information received is checked for adherence to policy and criteria.Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.Provide a prompt reply to all written correspondence.Develop positive working relationships with colleagues.Make suggestions for improvements to processes to enhance service and efficiency.Adhere to internal/external compliance, credit review and audit requirements.Apply all aspects of the desired consumer outcomes of Treating the Customer Fairly (TCF).Use initiative to resolve queries outside own area of expertise.Train and mentor new team members.Take responsibility for your own learning and development.All other associated duties and responsibilities and carry out any tasks as required by management.We are seeking individuals eager to learn and excited about transforming the mortgage industry. If you have a passion for enhancing technology within our sector and are committed to producing amazing outcomes for brokers and customers, we want you on our team.
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