SALARY 45-60K The Client Our client is a highly regarded Digital Retail Bank for HNW clients. The Role Our client is looking for an experienced Mortgage Underwriter to play a pivotal role in evaluating loan applications, ensuring compliance with financial regulations, and assessing the risk associated with lending decisions. The Mortgage Underwriter will have a strong understanding of financial services with the ability and confidence to negotiate effectively with various stakeholders. The Mortgage Underwriter will review and analyse all mortgage applications to best determine eligibility for loan approvals. The Mortgage Underwriter will confidently conduct quantitative analysis in assessing all applicants’ creditworthiness and financials stability. The Mortgage Underwriter will perform analysis identifying any potential issues that could potentially affect loan repayments, while negotiating with banks and other financial institutions to best negotiate loans. The Mortgage Underwriter will keep up to date thorough records of all underwriting decisions and communicate findings precisely and clearly to all relevant parties, ensuring compliance with all regulatory requirements and internal policies throughout the underwriting process. The Candidate Mortgage Underwriting experience – essential Solid understanding of financial services, including mortgage products and market trends. Retail banking experience. Strong mathematical skills for analysing financial data and performing calculations. Excellent negotiation skills to facilitate discussions with banks and HNW clients effectively. Proficiency in risk analysis techniques to evaluate potential lending risks. Ability to work independently as well as part of a team, demonstrating strong organisational skills. Attention to detail is essential for ensuring accuracy in documentation and compliance checks.