Senior Associate - Mortgage Credit Specialist

Senior Associate Mortgage Credit Specialist 3 8 years experience)

Role Overview:

As a Senior Associate Mortgage Credit Specialist you will take individual ownership of the conversion of assigned mortgage loans sourced by the Mortgage Acquisition team. This key role involves assessing underwriting and processing mortgage applications ensuring compliance with regulatory standards and Yubi s policies. You will play a pivotal role in driving loan approvals and maintaining high service standards for our clients.

Key Responsibilities:

Mortgage Loan Application Processing:

Lead the endtoend processing of assigned mortgage loan applications from application to final approval.

Independently assess and underwrite loan applications ensuring adherence to Yubi s guidelines and financial regulations.

Prepare and package mortgage applications with accuracy.

Client Communication:

Maintain strong communication with clients to gather necessary documentation and address any queries or concerns.

Provide clear and timely updates on loan status to ensure a seamless experience for clients.

Risk Assessment and Compliance:

Conduct thorough credit and risk assessments to ensure compliance with Yubi s risk management policies.

Identify and mitigate potential risks associated with mortgage applications.

Team Collaboration:

Work closely with the Mortgage Acquisition team to optimize the loan conversion process and improve efficiency.

Coordinate with crossfunctional teams (e.g. legal compliance operations) to resolve issues and ensure smooth loan approvals.

Performance and Quality Assurance:

Monitor and analyse the quality of loan submissions and ensure compliance with internal and external standards.

Identify bottlenecks in the process and propose solutions to improve timelines and reduce delays.

Policy and Process Optimization:

Stay updated on changes in mortgage regulations and internal policies.

Propose process improvements to enhance loan conversion rates and overall team efficiency.

Qualifications:

Experience:

Minimum of 3 5 years of experience in mortgage credit underwriting or loan processing.

Strong understanding of mortgage loan products underwriting criteria and regulatory requirements.

Skills:

Exceptional analytical and problemsolving skills to assess loan applications and identify risks.

Strong attention to detail and organizational skills to manage multiple loan processes simultaneously.

Excellent communication and interpersonal skills to build rapport with clients and team members.

Knowledge:

Indepth knowledge of mortgage regulations compliance requirements and industry best practices.

Familiarity with mortgage software and financial tools is a plus.

Education:

Bachelor s degree in Finance Economics Business Administration or a related field. Relevant certifications (e.g. CFA Mortgage Broker License) are a plus.