U.K Mortgage Underwriter

We are seeking a skilled U.K Mortgage Underwriter with expertise in the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital). The ideal candidate will have experience in risk assessment, income calculations, and property evaluation, ensuring compliance with underwriting guidelines and regulatory standards. Shift & Working Days: Shift: U.K Shifts Working Days: 5 days of working. Key Responsibilities: Underwriting Activities: Review, analyse, and approve/deny mortgage applications based on risk assessment and investor guidelines. 4 C’s of Underwriting: Evaluate borrower’s Credit, Capacity, Collateral, and Capital to determine loan eligibility. Income Calculation: Assess borrower income using tax returns, W-2s, pay stubs, and financial statements. Risk Assessment: Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. Compliance & Quality Control: Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards. Collaboration: Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process. Requirements: Experience: Minimum 2 years in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. Attention to Detail: Strong analytical skills to assess financial documents and property risks accurately. Communication: Ability to articulate underwriting decisions effectively to internal teams and external stakeholders.