Mortgage Underwriter

3 days ago

London, Greater London, United Kingdom Molo Full time
About Molo

Molo is a pioneering fintech company revolutionizing the mortgage industry in the UK. Our mission is to create a seamless, fully digital mortgage experience that sets a new standard for the 21st century.

The Role

We are seeking an experienced Mortgage Underwriter to join our team in London or Birmingham. As a key member of our underwriting team, you will be responsible for assessing and underwriting mortgage applications to minimize risk while adhering to regulations and standards.

Key Responsibilities
  • Use allocated lending mandate to assess and underwrite mortgage applications in accordance with current lending policy and within mandated limits;
  • Operate as a team player within the business to ensure that all service standards and targets are consistently delivered;
  • Adhere to TCF requirements and principles;
  • Identify and report suspicions in line with Anti-Money Laundering legislation and procedures;
  • Ensure all work is undertaken to a first-class standard by adopting a right-first-time attitude and approach through coaching, training, and performance management;
  • Ensure effective communication with internal stakeholders, external customers, and third parties;
  • Support Underwriting Lead by demonstrating daily proactive planning, management of workloads, and recommendation of process improvement changes where appropriate;
  • Supporting and guiding colleagues on all matters relating to the underwriting and completion of mortgages;
  • Managing decisions on enquiries, new applications and responding within agreed time frames;
  • Minimise and understand the risks associated with each application;
  • Obtain all necessary documentation to accurately make a lending decision;
  • Manage pipeline cases through to completion;
  • Work with Legal, Credit Risk, Treasury and Finance teams to ensure all lending requirements are satisfied before the release of funds.
About You

We are looking for an experienced Underwriter with a minimum of 2 years of experience who has been a direct mandate holder. Consideration will be given to candidates with experience dealing with residential and Buy-to-let applications with additional expertise to include portfolio's, multi-unit freehold blocks, and large HMOs. You will possess excellent literacy and numeracy skills as well as a strong working knowledge of Microsoft Office/Google Suite.

What We Offer

Molo offers a chance to become an integral part of one of the leading fintech start-ups in mortgages, with a range of benefits including:

  • Health, Dental, Optical, and Mental Health Cover;
  • Pension contribution (5%);
  • 25 days holiday + National holidays;
  • Company offsites.

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