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Residential Real Estate Mortgage Underwriter

United Kingdom, London Employment contract · Job Posted September 09, 2025
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Job Description

The Citi Wealth Residential Real Estate Mortgage Underwriter will serve as a primary contact for the mortgage throughout the process, from initiation of inquiry to closing, always maintaining proactive communication with the Banker/Lending Advisor. Working within the Wealth Lending Advisor team to structure and underwrite residential mortgage loans in accordance with established Product Programs.

Job Responsibility

  • Serve as primary contact for mortgage process from inquiry to closing
  • Structure and underwrite residential mortgage loans in accordance with established Product Programs
  • Prepare, maintain and communicate pipeline
  • Primary point of contact for obtaining credit documents and clearing underwriting conditions
  • Provide input to Bankers, Associate Bankers and management
  • Responsible for all activities from applications through underwriting submission
  • Assist with residential real estate portfolio management audits, reviews, and performance reporting
  • Assist with residential real estate projects
  • Obtain relevant information from all parties in the lending cycle
  • Function as part of a deal team
  • Assess risk when making business decisions

Requirements

  • CeMAP qualified (or equivalent)
  • Strong Mortgage Regulatory knowledge and experience in the UK (and EU is preferable)
  • Strong and proven analytical, financial structuring and execution skills
  • Experience with regulatory internal and external audits beneficial
  • Bachelor's/University degree or equivalent experience
  • Excellent communication (verbal and written) and interpersonal skills
  • Ability to work under pressure and multi-task to tight deadlines
  • Good negotiation skills
  • Strong initiative and interactive approach to problem solving
  • Display flexibility and independence in a demanding environment
  • Team player

Nice to have

  • EU mortgage regulatory knowledge
  • Experience with regulatory audits

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