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Credit Underwriter

Job Seekers Ireland Financial Services Financial Services

Job Summary

  • Dublin
  • Permanent
  • BBBH816130
  • May 17, 2022
  • Competitive
Job Description

Our client is looking for a Credit Underwriter to join their team. The successful candidate will be responsible for conducting credit analysis and supporting the underwriting of mortgages.

Credit Underwriter

Our client is looking for a Credit Underwriter to join their team. The successful candidate will be responsible for conducting credit analysis and supporting the underwriting of mortgages.

Key Responsibilities will include but are not limited to:

  • Credit Assessment
    • Prepare, review and analyse the creditworthiness and risk implication of lending applications ensuring adherence to our clients policy and process measures always.
    • Complete financial analysis narrative and make informed lending decisions.
    • Assess credit reports, proof of income, bank statements, statement of affairs, and any other supporting documentation at the borrower level.
    • Ensure the accuracy and completeness of all data supporting applications as per agreed policy and criteria.
    • Ensure the availability and accessibility of all necessary documentation.
  • Compliance and Risk Management
    • Ensure Delegated Credit Authority is exercised.
    • For applications above the delegated underwriting authority make recommendations and present to management.
    • Proactively monitor credit policy and performance on an ongoing basis.
    • Liaise with internal Compliance team to ensure that all policies and procedures are in line with current regulation.
    • Control the quality of the business approved by ensuring policy and process measures are adhered to.
    • Ensure operational and regulatory compliance throughout the process.
  • Customer Service
    • Maintain relationships with key stakeholders to promote credit policy whilst maximising new opportunities.
    • Provision of exemplary levels of service to both internal and external customers.
    • Ongoing strong communication and turnaround times associated with business processing.
    • Flexible yet commercially sound underwriting in line with clients guidelines.
  • The Person:
    • Degree in Business/Finance or equivalent.
    • Desirable QFA but must be an Approved Product Advisor (APA).
    • Previous credit underwriting experience.
    • Experience of and ability to work in a fast-paced and high-energy environment.
    • Credit Assessment - Ability to understand and appropriately utilise systems and processes for credit and operational risk assessment
    • Legal and Compliance - Ability to understand and utilise legislative requirements to meet regulatory obligations of the organization.
    • Risk - Ability to assess and mitigate risk for the benefit of the organisation.
    • IT Knowledge - Ability to understand and utilise technology to achieve required position outcomes.
    • Accuracy and Quality - Ability to deliver good quality and accurate work
    • Analytical Thinking - Ability to tackle a problem by using a logical, systematic, sequential approach.
    • Customer Service and Commercial Awareness - The drive to understand, agree and satisfy customer requirements (internal & external) and deliver a high-quality service to them. Also, an awareness of the commercial impact of what you do.
    • Delivery - Understanding that 'delivery' is paramount to business success and is committed to performing task and achieving results
    • Judgment / Decision Making - Ability to make sound decisions based on business needs.
    • Taking Responsibility - Have a willingness to take necessary actions and decisions to meet objectives.
    • Team Working - The ability and desire to work co-operatively with others on a team.
    • Time Management - The ability to make the most effective use of time available.

Morgan McKinley is acting as an Employment Agency in relation to this vacancy.

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Consultant Details

Consultant Details

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Amy Wade
  • Consultant| Financial Service Recruitment
  • 00 353 1 4321555
  • awade@morganmckinley.com