Overview
Miryco are delighted to be partnering with a growing mortgage provider making a huge splash in the UK and European mortgage market. This role sits within a growing mortgage business focused on asset deployment through mortgage origination. We are seeking a highly experienced and detail-oriented Mortgage Underwriter with a strong understanding of the UK mortgage market. The successful candidate will assess mortgage applications in line with lending criteria, conduct affordability assessments, and ensure regulatory compliance.
Responsibilities
- Assess and underwrite residential mortgage applications in line with internal policies and industry regulations, ensuring balanced and well-informed decisions.
- Conduct comprehensive affordability assessments, including the analysis of income, expenditure, credit history, and overall financial suitability.
- Evaluate properties against lending criteria, while demonstrating a wider market understanding of acceptable property types and risks.
- Collaborate with external partners—brokers, customers, surveyors, and conveyancers—and coordinate with internal teams to satisfy all lending requirements ahead of fund release.
- Stay informed about industry developments, product updates, and changes to the regulatory landscape in the UK mortgage market.
- Maintain detailed, accurate records of underwriting decisions to support audit and compliance processes.
- Contribute to continuous improvement initiatives, including refining underwriting processes, policies, and risk controls.
- Present updates and recommendations to internal committees where required.
- Support other areas of the business and provide guidance to colleagues as needed.
Skills & Experience
Required:
- Minimum of 5 years’ underwriting experience.
- Proven ability to perform thorough affordability assessments, including evaluation of credit searches, bank statements, financial records, and property valuations.
- Strong knowledge of lending criteria and regulatory standards.
- Excellent attention to detail and a structured approach to risk assessment.
- Effective multitasking and prioritisation abilities.
- Strong analytical, decision-making, and communication skills.
Preferred:
- Relevant qualifications such as CeMAP or RICS (AssocRICS / MRICS / FRICS).
- Experience working with mortgage underwriting platforms or case management systems.
Additional Information
For all other roles please Miryco's LinkedIn page
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