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Credit Underwriter Mortgages

Credit Underwriter Mortgages

Engage PeopleRepublic of Ireland, Dublin, Dublin
9 days ago
Job type
  • Quick Apply
Job description

Credit Underwriter

Location : Dublin (Hybrid)

Salary : €38,000 - €42,000, depending on experience

Experience : Minimum 2 years in a credit underwriting role

Department : Credit

Reports to : Head of Credit

The Opportunity

This is a fantastic opportunity for an experienced Credit Underwriter or Analyst to join a fast-paced, regulated lending environment where your judgement and attention to detail will be highly valued. You'll assess a wide range of mortgage applications across residential and buy-to-let portfolios, ensuring accuracy, compliance, and high service standards.

Key Responsibilities

  • Review and analyse all mortgage lending applications in line with policy and risk appetite
  • Assess income documentation (Payslips, Salary Certs, Form 11s) to determine affordability
  • Analyse bank statements and credit checks to evaluate repayment capacity
  • Prepare detailed Credit Summary Reports and present them for approval
  • Liaise with internal teams to ensure applications are assessed within agreed SLAs
  • Evaluate special conditions, conveyancing issues, and exception requests
  • Collaborate with Compliance to ensure ongoing regulatory alignment
  • Support with internal reviews and contribute to business process improvements

What You Bring

  • A relevant degree in Business, Finance, or related discipline
  • APA Loans (or working toward QFA)
  • Minimum 2 years' credit underwriting experience, ideally in mortgages
  • Proficient in Microsoft Office, particularly Excel and Word
  • Strong analytical, judgement, and decision-making abilities
  • Excellent written and verbal communication skills
  • Ability to thrive in a high-energy, detail-focused environment

    • Why Apply?

  • Opportunity to join a growing and ambitious mortgage lender
  • Work with an experienced team where your ideas and input will be valued
  • Collaborative, performance-driven culture with clear development opportunities

    • To express interest or learn more, apply today or get in touch for a confidential conversation.

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    Credit Underwriter • Republic of Ireland, Dublin, Dublin