Residential Underwriter

Enra Specialist Finance; Watford; On-site; GBP 30,000 - 45,000; Full time

Benefits offered by this job

Private medical healthcare

25 days annual leave

Volunteer days

Job summary

West One Loans is seeking an experienced mortgage underwriter in Watford to join our team. You will assess applications, enter and update borrower data on the Fusion lending platform, and ensure each case meets underwriting guidelines.

The role requires excellent attention to detail, strong written and verbal communication with brokers, and the ability to work to deadlines while complying with FCA regulations. CeMAP is desirable but not essential; training will be provided.

Qualifications

• Understanding of FCA regulation and underwriting guidelines.
• Experience underwriting 1st and/or 2nd Charge mortgage applications.
• CeMAP is desirable but not essential.

Responsibilities

• Enter and update borrower data on Fusion lending platform.
• Ensure all aspects of the loans are recorded accurately on Fusion.
• Carry out mortgage application assessments to meet underwriting criteria.
• Provide concise updates to brokers and chase outstanding requirements.
• Ensure underwriting aligns with policy and regulatory requirements.

Skills

Teamwork

Attention to detail

Written & verbal communication

Meet internal competency tests

Education

CeMAP (desirable)

Tools

Fusion lending platform

Job description

Great underwriters don't just assess cases—they find solutions.

If you're someone who enjoys making sound lending decisions, building trusted broker relationships and balancing commercial thinking with risk, we'd love to hear from you.

Ready for your next challenge? Join West One Loans and help us deliver outstanding outcomes for our brokers and customers.

Key Accountabilities

• Enter and update borrower data on Fusion lending platform.
• Ensure all aspects of the loans are recorded accurately on Fusion and meet underwriting guidelines.
• Carry out an assessment of the mortgage application to ensure all aspects of our underwriting criteria are met.
• Provide concise and accurate updates to brokers.
• Proactively chase brokers for outstanding requirements.Ensure all underwriting is in line with Company policy and within regulation.
• Ensure that all cases are Underwritten within the Groups Risk appetite.
• Build good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
• Maintaining a pipeline of cases, overseeing cases from inception through to completion.
• Maintain broker relationships that are integral to the growth for WOSL.
• All work is to be carried out in accordance with Enra Specialist Finance policies and procedures.

Skills & Competencies

• Ability to work as part of a team.
• Pass internal competency tests post induction.
• High attention to detail.
• Good written and verbal communication skills.

Knowledge & Qualifications

• An understanding of FCA regulation.
• Experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
• CeMAP (desirable, not essential).

Personal Attributes

• Flexible
• Articulate
• Well organised
• Robust and comfortable working to deadline and under pressure

Why Join Us?

At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.

Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.