Avant Money provides personal loans, credit cards and mortgages to over 200,000 Irish customers. Employing more than 300 people across Carrick-on-Shannon and Sandyford in Dublin, Avant Money has operated in Ireland for close to 30 years and is one of Ireland’s fastest-growing financial services companies. As of April 2025, Avant Money is the Irish branch of Bankinter, a leading Spanish banking group, which is a top 50 European bank and one of the most stable and solvent banks in Europe. This means we will be able to introduce a wider range of banking products, building on our existing offering of credit cards, personal loans, and mortgages.
At Avant Money, you'll find a talented, collaborative and agile workforce dedicated to excellence. We offer exciting career opportunities across a diverse range of disciplines, encouraging professional development and growth, along with a comprehensive benefits package. Discover a rewarding career at Avant Money, where your potential can thrive and your contributions make a real impact.
We are seeking an experienced Mortgage Underwriter to join our growing team. This role is critical in supporting the underwriting of mortgage applications, conducting thorough credit analysis, and ensuring risk and creditworthiness are assessed in line with our company’s credit policy.
Key Responsibilities:
* Subject matter expert in relation to underwriting and lending to high net worth and self-employed individuals.
* Assessing Mortgage applications daily with the ability to get through large volume of cases on a daily basis with accuracy and consistency in decision making.
* Prepare, review and analyse the creditworthiness and risk implication of lending applications ensuring adherence to policy and process measures.
* Assess financial accounts, credit reports, proof of income, bank statements, statement of affairs, and any other supporting documentation at the borrower level.
* Presentation of credit reports in a clear and concise manner to the lenders delegated authorities including Senior Management and Lending Committee.
* Ensure the accuracy and completeness of all data supporting applications as per agreed policy and criteria.
* Maintain relationships with key stakeholders to promote credit policy whilst maximising new opportunities.
* Coach and mentor existing senior underwriters in the area of high net worth, high exposure lending and lending to self-employed applicants.
* Provide high levels of service to both internal and external customers.
* Proven ability to assess income and risk implications across both employed and self-employed customer segments in line with CBI Mortgage Market Rules and credit policy.
* Develop clear conditions of offer and provide support to external completions staff as needed to verify adherence before drawdown.
About you:
* Proven track record in the management and underwriting of complex credit presentations, with a full understanding of the mortgage credit environment.
* Significant experience in mortgage new business underwriting.
* Customer-focused with a positive attitude and mindset.
* Customer orientation and communication skills; confident in communicating clearly with the Broker channel.
* QFA or APA qualification.
* Commercial acumen with an understanding and respect for risk versus reward.
* Full understanding of the regulatory environment for mortgages.
* Ability to make sound decisions based on business needs.
* Willingness to take necessary actions and decisions to meet objectives.
* Logical, systematic, and sequential approach to problem-solving.
* Desire and ability to work cooperatively with others on a team.
Additional Information
Due to the high volume of applications we receive, we’re unfortunately unable to provide individual feedback to every candidate. All applications are carefully reviewed, and only those selected for the next stage will be contacted. We sincerely appreciate the time and effort you’ve taken to apply. If you require any accommodations during the recruitment process, please let a member of our team know if you are shortlisted for interview. Any information shared will be treated confidentially and used solely to support your participation in the process. Please note that where agency support is required, our Recruitment Team will engage directly with suppliers. Unsolicited CVs or profiles submitted by recruitment agencies will not be accepted for this role.
Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for conduct of business rules. Registered in Spain: Madrid Mercantile Register (Registro Mercantil de Madrid), Volume 1857, Folio 220, Page 9643, EUID code ES28065.000002024. Registered office: P. de la Castellana 29, 28046, Madrid, Spain. Registered Irish branch: Dublin Road, Carrick on Shannon, County Leitrim, no: 910258.
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