Mortgage Underwriter

About the Role

Our client is seeking a detail-oriented and analytical Mortgage Underwriter to join their lending team in Soweto . This role is critical in assessing the risk associated with mortgage applications and ensuring compliance with lending policies and regulatory requirements within the banking and finance sector. You will review financial documentation, analyse credit reports, and make sound decisions on loan approvals. This is an excellent opportunity for a diligent professional to contribute to the stability and integrity of the mortgage lending process in the vibrant Gauteng area.

Key Responsibilities

• Evaluate mortgage loan applications, including analysis of credit history, income, assets, and property valuations.
• Determine loan eligibility and conformity with established underwriting guidelines and company policies.
• Identify and mitigate potential risks associated with loan applications.
• Communicate loan decisions and required conditions to loan officers and applicants.
• Ensure compliance with all relevant federal and state lending regulations.
• Maintain accurate and organized loan files and documentation.

Requirements

• Proven experience as a Mortgage Underwriter or in a similar role within the financial industry.
• Strong understanding of mortgage lending principles, credit analysis, and risk assessment.
• Familiarity with relevant regulations such as FICA, National Credit Act.
• Excellent analytical and problem‑solving skills with meticulous attention to detail.
• Proficiency in mortgage underwriting software and loan origination systems.
• Strong communication skills, both written and verbal.

Benefits

• Competitive annual salary and potential for performance-based bonuses.
• Comprehensive medical and retirement benefits.
• Opportunities for training and professional development in underwriting.
• A supportive and structured work environment.
• Contribute to responsible lending practices in Soweto .
• Be an integral part of the financial sector's operations in Gauteng .

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