CU Mortgage Services DAC

Senior Mortgage Underwriter

Job Title: Senior Mortgage Underwriter
Reporting to: Head of Mortgage Services

CU Mortgage Services DAC, was incorporated in January 2024 as a collaborative entity to support and promote the development of a national brand for credit union mortgage lending. The company has office in Dublin and regional Mortgage Relationship Managers. The role of Senior Mortgage Underwriter is a key support service for credit unions that are new to mortgages and developing their mortgage expertise.

Senior Mortgage Underwriter

Opportunity to work with a new mortgage provider with an established customer base. We are keen to recruit talented individuals who are interested in joining a company in which they can really make a difference. Our culture is friendly, open and inclusive. If you choose to join our team, you’ll find a great workplace and opportunities to develop and grow. We are currently on an exciting transformative journey, which the successful applicant will be part of.

Reporting to the Head of Mortgage Services,the Main Responsibilities of the role are to:

Assess, underwrite and approve all new mortgage applications within an authorised mandate level
Carry out an initial assessment of decision in principle in accordance with credit policy, Central Bank Mortgage Measures and affordability guidelines.
Manage mortgage applications and process decisions in principle and letter of offer.
Authorise the issue of mortgage offer papers.
Review supporting documentation such as credit reports, bank statements, payslips, tax returns etc.
Put borrowers at the heart of our business by focusing on good outcomes.
Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.
Assess applicants' financial risk and ensure accuracy in all paperwork.
Build strong relationships with Mortgage Relationship Managers.
Provide advice and guidance to Mortgage Relationship Manager colleagues on mortgage products and lending criteria.
Provide advice and guidance to Mortgage Relationship Managers on the mortgage processing system(s).
Participate in regular review of mortgage procedures recommending amendments where appropriate. With the aim of delivering a frictionless journey for our borrowers.
Make suggestions for improvements to processes to enhance service and efficiency.
Assist with other areas of work as requested by the Head of Mortgage Services.
Actively participation in projects to improve processes and procedures within underwriting and the mortgage operations.
Work to agreed objectives, service standards and deliverables.
Train and mentor new team members.
Take responsibility for your own learning and development.
All other associated duties and responsibilities and carry out any tasks as required by the Head of Mortgage Services.

Qualifications and Experience of Successful Candidate

Qualified Financial Adviser (QFA)
Third level financial / mathematical or business related qualification preferable.
Extensive credit knowledge and mortgage underwriting experience (minimum 5 years)
Knowledge of all mortgage related matters.
Excellent accuracy and attention to detail
Strong communication skills and a passion for delivering client outcomes
The ability to meet tight deadlines and work effectively in a team environment.
Computer literate with good working knowledge of the MS office suite, DocuSign and online mortgage application systems.

Salary will be competitive and commensurate with experience and qualifications.
CU Mortgage Services DAC is an Equal Opportunities Employer.
Applicants will be shortlisted for interview. Canvassing will disqualify.

Please forward, Cover Letter and CV in confidence quoting reference SMU-01 by email to enquiries@cumortgageservices.ie to arrive on or before Friday, 6 December 2024.

CU Mortgage Services DAC
Suite 28, Morrison Chambers
32 Nassau Street
Dublin 2

Email: enquiries@cumortgageservices.ie
Closing Date for Applications: Friday, 6 December 2024.