Mortgage Underwriter

4 days ago

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

Molo is a pioneering fintech company that is revolutionizing the mortgage industry in the UK. Our mission is to transform the mortgage experience by leveraging technology to make it easier and more efficient for customers.

Key Responsibilities
  • Assess and underwrite mortgage applications in accordance with current lending policy and within mandated limits.
  • Collaborate with the team to ensure that all service standards and targets are consistently delivered.
  • Adhere to regulatory requirements and principles, including the principles of treating customers fairly.
  • Identify and report suspicions in line with Anti-Money Laundering legislation and procedures.
  • Ensure all work is undertaken to a high standard by adopting a proactive and efficient approach.
  • Communicate effectively with internal stakeholders, external customers, and third parties.
  • Support the Underwriting Lead by demonstrating daily proactive planning, management of workloads, and recommendation of process improvement changes.
  • Guide colleagues on all matters relating to the underwriting and completion of mortgages.
  • Manage decisions on enquiries, new applications, and respond 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 the Legal, Credit Risk, Treasury, and Finance teams to ensure that all lending requirements are satisfied before the release of funds.
Requirements
  • Minimum of 2 years of experience as a direct mandate holder in the mortgage and loans industry.
  • Extensive knowledge of residential and Buy-to-Let mortgage applications.
  • Portfolio management experience, including multi-unit freehold blocks and large HMOs.
  • Excellent literacy and numeracy skills.
  • Strong working knowledge of Microsoft Office/Google Suite.
What We Offer
  • Become an integral part of a leading fintech company that is transforming the mortgage industry.
  • A comprehensive health and wellbeing package.
  • Pension contribution (5%).
  • 25 days holiday + National holidays.
  • Company offsites.

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