Job Title

We are seeking a skilled U.K Mortgage Underwriter with expertise in the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital). The ideal candidate will have experience in risk assessment, income calculations, and property evaluation, ensuring compliance with underwriting guidelines and regulatory standards.Shift & Working Days:Shift: U.K (11am -11pm).Working Days: 5 days of working.Key Responsibilities:Underwriting Activities: Review, analyze, and approve/deny mortgage applications based on risk assessment and investor guidelines.4 C’s of Underwriting: Evaluate borrower’s Credit, Capacity, Collateral, and Capital to determine loan eligibility.Income Calculation: Assess borrower income using tax returns, W-2s, pay stubs, and financial statements.Risk Assessment: Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making.Compliance & Quality Control: Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards.Collaboration: Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process.Requirements:Experience: Minimum 2 years in mortgage underwriting, preferably in U.S. or U.K. or global residential loans.Attention to Detail: Strong analytical skills to assess financial documents and property risks accurately.Communication: Ability to articulate underwriting decisions effectively to internal teams and external stakeholders.