Job DescriptionWe are seeking a skilled U.K Mortgage Underwriter with expertise in the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital). The ideal candidate will have experience in risk assessment, income calculations, and property evaluation, ensuring compliance with underwriting guidelines and regulatory standards.
N n Shift & Working Days:
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Shift: U.K Shifts N
Working Days: 5 days of working. N

n n Key Responsibilities:
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Underwriting Activities: Review, analyse, and approve/deny mortgage applications based on risk assessment and investor guidelines. N
4 C’s of Underwriting: Evaluate borrower’s Credit, Capacity, Collateral, and Capital to determine loan eligibility. N
Income Calculation: Assess borrower income using tax returns, W-2s, pay stubs, and financial statements. N
Risk Assessment: Analyze creditworthiness, property valuation,



and overall lending risks to ensure sound decision-making. N
Compliance & Quality Control: Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards. N
Collaboration: Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process. N

n n Requirements:
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Experience: Minimum 2 years in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. N
Attention to Detail: Solid analytical skills to assess financial documents and property risks accurately. N
Communication: Ability to articulate underwriting decisions effectively to internal teams and external stakeholders. N

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📌 U K Mortgage Underwriter Surat
🏢 SELECTIONS HR SERVICES PRIVATE
📍 Surat