Credit Underwriter Mortgages

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.