Mortgage Credit Underwriter

CREDI UNIONS - Mortgage Credit Underwriter

We have an exciting opportunity for an experienced Mortgage Credit Underwriter to help us to build and support a new mortgage proposition for Credit Unions. The successful candidate will bring their experience and expertise to build on existing underwriting capability in our participating Credit Unions and, as part of a central team, will both support Credit Union Mortgage applicants in getting their homes and help us to develop and optimise our practices and processes.

Reporting to the Head of Mortgage Services the Main Responsibilities of the role are to:

• Assess, underwrite and approve all new mortgage applications within an authorised mandate level
• Carry out an initial assessment of decision in principle in accordance with credit policy, Central Bank Mortgage Measures and affordability guidelines.
• Manage mortgage applications and process decisions in principle and letter of offer.
• Authorise the issue of mortgage offer papers.
• Review supporting documentation such as credit reports, bank statements, payslips, tax returns etc.
• Put borrowers at the heart of our business by focusing on good outcomes.
• Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.
• Assess applicants' financial risk and ensure accuracy in all paperwork.
• Build strong relationships with Mortgage Relationship Managers.
• Provide advice and guidance to Mortgage Relationship Manager colleagues on mortgage products and lending criteria.
• Provide advice and guidance to Mortgage Relationship Managers on the mortgage processing system(s).
• Participate in regular review of mortgage procedures recommending amendments where appropriate. With the aim of delivering a frictionless journey for our borrowers.
• Make suggestions for improvements to processes to enhance service and efficiency.
• Assist with other areas of work as requested by the Head of Mortgage Services.
• Actively participation in projects to improve processes and procedures within underwriting and the mortgage operations.
• Work to agreed objectives, service standards and deliverables.
• Train and mentor new team members.
• Take responsibility for your own learning and development.
• All other associated duties and responsibilities and carry out any tasks as required by the Head of Mortgage Services.

Qualifications and Experience of Successful Candidate

• Qualified Financial Adviser (QFA)
• Third level financial / mathematical or business related qualification preferable.
• Extensive credit knowledge and mortgage underwriting experience (minimum 5 years)
• Knowledge of all mortgage related matters.
• Excellent accuracy and attention to detail
• Strong communication skills and a passion for delivering client outcomes
• The ability to meet tight deadlines and work effectively in a team environment.
• Computer literate with good working knowledge of the MS office suite, DocuSign and online mortgage application systems.

Salary will be competitive and commensurate with experience and qualifications.

CU Mortgage Services DAC is an Equal Opportunities Employer.

Applicants will be shortlisted for interview. Canvassing will disqualify.

Job Types: Full-time, Permanent

Benefits:

• Company pension
• Sick pay
• Work from home

Schedule:

• Monday to Friday

Experience:

• Mortgage Credit Underwriting: 5 years (required)

Licence/Certification:

• QFA or equivalent qualification (required)

Work authorisation:

• Ireland (required)

Work Location: Hybrid remote in Dublin 2, CO. Dublin

Application deadline: 06/12/2024
Reference ID: SMU-02