Mortgage Underwriter

Job Title: Mortgage Underwriter

Location: Amersfoort, Netherlands (2 days onsite, 3 days remote)

Duration: 12 months contract (Temp to Perm basis)

Job Description:

• Looking for Mortgage Underwriters, ideally on a temp-to-perm basis. One-year temporary secondment assignments are also an option.

Important:

• Experience with file assessment and the independent execution of both the initial and final (second level) approval stages. Please highlight this in your CV or cover letter.
• Candidates must possess recent and extensive experience in mortgage underwriting.
• Attendance at the office is required at least 2 days per week; maximum travel time is 1 hour—no exceptions.

About this role – What will you be doing?

• The 'Mid-office' team serves as gateway for all mortgage applications submitted by its clients.
• The entire mortgage underwriting process rests in the expert hands of the Underwriting Specialists—from the initial approval of a mortgage application through to the finalization of the transaction at the notary.
• In short, this is a role for a versatile mortgage professional. The industry is evolving rapidly, with new developments constantly emerging.

Assignment:

• Assessing mortgage applications, bank guarantees, and bridge loans, while ensuring that the client's best interests are consistently considered.
• You will verify that credit policies and procedures are applied in accordance with established, uniform guidelines, and you will be responsible for underwriting and completing credit files.
• Informing intermediaries and/or advisors about the status of an application and providing explanations in the event of a rejection.

Your responsibilities include:

• Processing mortgage applications and issuing corresponding interest rate offers for new loans, as well as for conversions or increases to existing loans.
• Independently handling complex credit applications.
• Providing initial approval for mortgage documentation and granting final administrative sign-off.
• Maintaining frequent contact—via phone and email—with mortgage advisors and intermediaries regarding their applications.
• Assessing mortgage applications in accordance with relevant laws, regulations, and the specific lender’s credit policy, while consistently adhering to internal guidelines.

Skills – Who are we looking for?

• You possess the ability to explain matters clearly and patiently. You prioritize quality and customer satisfaction, consistently aiming for a "first time right" approach. You are always looking for ways to improve processes. Furthermore, you have a strong sense of responsibility, a flexible, proactive mindset—eschewing a "9-to-5" mentality—and a critical eye.

Additionally, you have:

• A minimum educational level of MBO4+ (vocational/secondary professional education);
• At least 2 years of recent experience as a mortgage underwriter (residential/private);
• WFT Basis and WFT Hypothecair certifications.
• Experience working with systems (Estate and Accello).
• Offers the option of hybrid working.