
Senior Credit Risk Analyst
10 hours ago
Job Opportunity:
">We are seeking an experienced Senior Underwriter to join our dynamic team.
Key Responsibilities:- 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 a detailed credit report review for accurate risk assessment.
- Work on both UK Mortgage and US Mortgage underwriting, including income calculation, debt-to-income (DTI) ratio assessment, loan-to-value (LTV) ratio evaluation, asset calculation, and principal, interest, taxes, and insurance (PITI) review.
- Ensure compliance with internal policies and regulatory guidelines.
- Collaborate with internal teams to ensure smooth processing and decision-making.
- Minimum 3.5 years of underwriting experience with live and end-to-end case ownership.
- Experience in the UK Mortgage process or the US Mortgage underwriting, with a strong focus on credit report review, DTI, LTV, PITI, income, and asset calculations.
- Excellent analytical and decision-making skills with high accuracy.
- Ability to work comfortably in a fast-paced environment.
- Strong communication and stakeholder management skills.
Benefits:
We offer a competitive salary, career growth opportunities, and a supportive team culture.
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