ONEE Capital
Mortgage Loan Officer
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Mortgage Loan Officer
Mortgage Loan Officer – Hybrid Role (Knightsbridge)
About the Role
ONEE Capital is an AI-native digital private lending platform, modernising the credit lifecycle—from origination to underwriting, execution, reporting, and portfolio management. Our solution bridges private credit expertise with automation, AI-driven underwriting, and scalable digital workflows, delivering speed, transparency, and risk discipline. This Mortgage Loan Officer role supports blended residential and commercial lending, requiring a hybrid approach to fulfil our vision for data-led, compliant, and optimised private lending.
Key Responsibilities
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Client Lifecycle Management:
- Prospect, engage, and consult with private credit borrowers (individuals and businesses).
- Conduct initial finance assessments, tailoring solutions to needs across products.
- Guide borrowers through loan applications, gathering and verifying documents.
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Underwriting & Compliance:
- Collaborate with underwriting teams to evaluate credit risk, financial health, and counterparty eligibility.
- Ensure regulatory compliance, maintaining audit-ready records in digital workflow systems.
- Advocate for disciplined lending practices, flagging anomalies in borrower profiles.
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Technology & Process Support:
- Operate seamlessly within AI-assisted lending platforms, including CRM/CTRM and risk engines.
- Provide feedback to refine workflows, improving data quality, loan execution timelines, and decisioning support.
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Customer & Stakeholder Relations:
- Deliver end-to-end customer service, simplifying complex details (e.g., pricing, docs, approval timelines).
- Liaise with LGPs, portfolio managers, credit teams, and operational partners.
- Represent ONEE Capital externally via business development efforts.
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Hybrid Engagement:
- Located in Knightsbridge with flexibility for work from home (3-4 days/week depending on needs).
- Engage collaboratively in-office for internal stakeholder meetings (availability required key days).
Qualifications & Experience
Essential
- Proven track record as a Loan Officer, Mortgage Advisor, or Credit Analyst, with deep knowledge of origination workflows and borrower psychology.
- Specialist understanding of mortgage lending, covering products (residential structures, bridge financing, SME lending), FCA regulations, and market cycles.
- Demonstrable underwriting expertise: experience interpreting financial statements, debt covenants, collateral assessment.
- Superb attention to documentation accuracy and discrepancy resolution when bridging digital data gaps.
- Hybrid work readiness: clear communication skills for team collaboration and remote mission alignment.
- Comfortable using digital lending tools, CRM software, and structured reporting.
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Advantageous
-Certifications such as Certified Mortgage Adviser (CMA), IMMA, or Chartered Finance/Insurance Professional.
- Prior exposure to private credit or fintech-driven lending (e.g., embedded funding platforms).
- Familiarity with secondary residential markets, commercial real estate debt, or ESG considerations in lending.
- Relationship management experience with HNWI or Non-Dom borrowers, plus commercial banking SME references.
Why This Matters for ONEE Capital
ONEE’s platform is revolutionising data-driven, AI-supplemented private lending. This role fills a critical gap in adapting traditional full-life cycle expertise to our digitalised, standards-led approach. By joining us, you’ll contribute to raising the bar in portfolio discipline, borrower fairness, and operational efficiency—defining the next iteration of private credit.
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