Mortgage Underwriter Senior

3 days ago


Melbourne, Victoria, Australia Montpellier Resourcing Full time

We are looking for a highly skilled Credit Risk Assessment Lead to join our team. As a senior professional, you will be responsible for assessing and underwriting mortgage applications with higher risk profiles and making lending decisions in accordance with our Credit Risk Policy.

The ideal candidate will have a minimum of 5 years' experience within underwriting and/or credit exposure within the BTL/Portfolio BTL market. They will hold a non-entry level lending mandate and have experience liaising with Introducers and external customers.

Responsibilities:

  • Foster strong relationships with the BTL Underwriting and Credit teams.
  • Provide input and authorize credit decisions within delegated authority to promote responsible portfolio growth in alignment with Credit Policy.
  • Assess and underwrite mortgage applications with higher risk profiles.
  • Make lending decisions in accordance with the Credit Risk Policy, Responsible Lending Policy, and individual mandate limits.
  • Act as an escalation point for team members, offering guidance, coaching, and training where necessary.
  • Take a comprehensive approach to applications, considering overall customer needs and outcomes.
  • Manage new applications, correspondence, and pre-submission queries while meeting service level agreements.
  • Proactively manage a pipeline of applications from submission through to completion.
  • Collaborate with a pre-approved panel of Introducers to ensure swift, accurate, and consistent underwriting outcomes.
  • Comply with internal guidelines and regulatory frameworks, including FCA, PRA, AML, Financial Crime Prevention, and Data Protection standards.
  • Take on project responsibilities and complete ad-hoc tasks as directed by management.


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