Senior Mortgage Underwriter

Senior Underwriter - Mortgages

Location: Ireland (Hybrid)

Salary: €50,000 - €65,000 + Benefits

Start Date: Mid-May

Overview of the Role

This is a senior, hands-on underwriting position with full ownership of the underwriting function. It's suited to an experienced professional who can operate autonomously, make confident credit decisions, and influence stakeholders across the mortgage process.

You'll play a key role in delivering high-quality underwriting outcomes while also contributing to operational improvements, regulatory adherence, and the ongoing growth of the business.

This is not an entry-level role. It requires a decisive operator who can balance strong credit judgement with excellent communication and stakeholder management skills.

Key Responsibilities

Underwriting & Credit Assessment

• Assess, underwrite, and approve mortgage applications within mandate limits
• Conduct Approval in Principle (AIP) assessments in line with credit policy and regulatory guidelines
• Evaluate financial risk and ensure completeness and accuracy of all documentation
• Review supporting documentation including bank statements, payslips, credit reports, and tax returns
• Authorise the issuance of mortgage offer documentation

Stakeholder Management

• Act as a key point of contact for internal and external stakeholders
• Provide guidance on lending criteria, policy interpretation, and product knowledge
• Build and maintain strong, trusted relationships
• Communicate decisions clearly and confidently, with the ability to challenge where required

Operational & Process Improvement

• Contribute to the development and refinement of underwriting procedures
• Support regulatory compliance and internal governance standards
• Participate in initiatives to improve underwriting efficiency and turnaround times
• Support broader operational tasks and interim processes where required

Team & Business Contribution

• Collaborate within a small, high-performing team environment
• Support training and mentoring of colleagues
• Contribute to business development initiatives and product enhancements
• Assist in the rollout of new mortgage products and services

Reporting & Performance

• Deliver weekly and monthly reporting to management
• Work to agreed service levels, KPIs, and performance targets
• Maintain high standards of underwriting quality and turnaround times

Additional Expectations

• Take full ownership of the underwriting function with a high degree of autonomy
• Demonstrate flexibility in supporting ad hoc operational and strategic initiatives
• Balance strong technical underwriting ability with excellent interpersonal skills
• Contribute to a culture of continuous improvement and collaboration

Qualifications & Experience

• APA / QFA (or equivalent) essential
• Extensive experience in mortgage underwriting and credit assessment
• Strong knowledge of mortgage lending and regulatory frameworks
• Third-level qualification in finance, business, or a related discipline (preferred)

Skills & Competencies

• Strong credit judgement and decision-making capability
• High attention to detail and accuracy
• Excellent communication and stakeholder management skills
• Ability to work under pressure and meet tight deadlines
• Confident, resilient, and comfortable standing over decisions
• Strong team player with a flexible approach
• Proficient in MS Office, DocuSign, and mortgage systems

Compliance & Governance

• Ensure full compliance with financial services legislation and regulatory requirements
• Adhere to all internal policies, procedures, and governance standards

Performance Measures

• Quality and volume of underwriting decisions
• Achievement of service levels and KPIs
• Strength of stakeholder relationships
• Contribution to business growth and operational effectiveness