
Lead Mortgage Risk Analyst
2 weeks ago
Are you a seasoned underwriting professional seeking a challenging opportunity in a fast-paced environment?
As a senior underwriter, you will be responsible for evaluating borrower profiles using the 4 Cs of Credit – Character, Capacity, Capital, and Collateral.
You will conduct detailed credit report reviews for accurate risk assessment, work on both UK mortgage and US mortgage underwriting, and ensure compliance with internal policies and regulatory guidelines.
Key Responsibilities:- Perform live underwriting with complete end-to-end case ownership.
- Evaluate borrower profiles using the 4 Cs of Credit.
- 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 evaluation, asset calculation, and PITI review.
- Minimum 3.5 years of underwriting experience.
- 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 dynamic environment.
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