
Lead Mortgage Risk Analyst
2 days ago
We are seeking a seasoned underwriter to join our team and take on the challenge of working with UK and US mortgage underwriting cases.
This is a unique opportunity to leverage your expertise in credit analysis, risk assessment, and loan evaluation. As a senior underwriter, you will be responsible for evaluating borrower profiles, conducting detailed credit report reviews, and ensuring compliance with internal policies and regulatory guidelines.
About the Role- Perform live underwriting with complete end-to-end case ownership.
- Evaluate borrower profiles using the 4 Cs of Credit – Character, Capacity, Capital, and Collateral.
- Conduct detailed credit report reviews for accurate risk assessment.
- Work on both UK mortgage and US mortgage underwriting, including income calculation, debt-to-income ratio assessment, loan-to-value ratio evaluation, asset calculation, and PITI review.
- Minimum 3.5 years of underwriting experience (live/end-to-end).
- Experience in the UK mortgage process or the US mortgage underwriting – both will be considered.
- Strong knowledge of credit report review, DTI, LTV, PITI, income & asset calculations.
- Excellent analytical and decision-making skills with high accuracy.
- Comfortable working in a fast-paced environment.
- Strong communication and stakeholder management skills.
- Opportunity to work on challenging UK & US mortgage underwriting cases.
- Career growth, continuous learning, and a supportive team culture.
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