
Senior Mortgage Underwriter Specialist
2 days ago
Job Overview:
Our organization seeks highly skilled professionals to fill a critical role in mortgage underwriting.
Primary Responsibilities:
- Evaluate home loan applications based on established credit guidelines.
- Conduct thorough assessments of income verification, credit checks, property valuation reviews, and responsible lending practices.
- Collaborate with internal teams and external stakeholders to address documentation gaps or clarify requirements.
- Deliver high-quality credit decisions in a timely manner while adhering to regulatory standards.
- Provide guidance and support to junior underwriters, contributing to process improvements.
- Prepare comprehensive reports on pipeline performance, service level agreements, and quality metrics.
Essential Qualifications:
- Bachelor's or Master's degree in Finance, Commerce, or a related field.
- A minimum of 5 years' experience in mortgage underwriting, with at least 2–3 years in the relevant domain.
- Strong understanding of credit policies, responsible lending principles, and loan origination systems.
- Exposure to multiple lenders is beneficial.
- Excellent analytical, communication, and documentation skills are essential.
- Ability to thrive in fast-paced environments and meet deadlines.
Preferred Skills:
- Certification in mortgage lending or credit assessment is desirable.
- Experience with various income types, including PAYG, self-employed, rental, and foreign income.
- Sound knowledge of credit bureaus is valuable.
- Familiarity with verification tools and fraud checks used in the mortgage ecosystem.
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