Mortgage Underwriter

4 weeks ago

Watford, United Kingdom West One Loans Full time

The overall responsibility of the role is to take ownership of allocated cases from inception through to completion.


Key Accountabilities

  • Enter and update borrower data on Fusion lending platform.
  • Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
  • Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
  • Provide concise and accurate updates to brokers.
  • Proactively chase brokers for outstanding requirements.
  • Ensure all underwriting is in line with Company policy and within regulation.
  • Ensure that all cases are Underwritten within the Groups Risk appetite.
  • Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Maintaining a pipeline of cases, overseeing cases from inception through to completion.
  • Maintain broker relationships that are integral to the growth for WOSL.
  • All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.


Skills & Competencies

  • Ability to work as part of a team.
  • Pass internal competency tests post induction.
  • High attention to detail.
  • Good written and verbal communication skills.

Knowledge & Qualifications

  • An understanding of FCA regulation.
  • Experienced in Underwriting 1st or 2nd Charge or BTL mortgage applications.
  • CeMAP (desirable, not essential).


Personal Attributes

  • Flexible
  • Articulate
  • Well organised
  • Robust and comfortable working to deadline and under pressure

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