Senior Underwriter – Manchester

As a Senior Underwriter you will be responsible for assessing consumer credit applications from customers, making an informed decision whether to lend. These decisions are to be made in accordance with the companies lending policies, making sure the customer satisfies relevant credit reference checks. You will also identify potential fraudulent applications, liaising with other departments to investigate the situation. The underwriters are responsible for assessing customers’ ability to repay loans, making credit decisions in line with company criteria, credit policy and within service level agreements to ensure excellent customer journeys.

You will be from an underwriting background, ideally with experience in consumer motor finance lending. We are looking for someone who has a strong understanding of the lending application processes and is experienced in working under pressure to strict deadlines.

Key Responsibilities:

• Experienced in leading and managing a team of underwriters (team leader)
• Underwrite all customer types and score bands within defined risk policy guidelines.
• Ensuring all underwriting department service level agreements are fully met as a minimum.
• Maintaining an acceptable level of bad debt by aligning underwriting each proposal.
• Receive and professionally handle all calls made into the underwriting department.
• Check & verify all proofs of identification, income and expenditure received by customers.
• Assess customer documentation to establish affordability adequately and accurately for the loan.
• Check legal documentation to ensure accuracy.
• Assist Payout Department as required.

Skills & Expertise:

• Ability to manage high volume of task and meet deadlines.
• Ability to understand and interpret financial information.
• Strong focus on ensuring good customer outcomes.
• Previous experience in financial services as an underwriter
• Knowledge of regulations relating to Consumer Duty, Compliance, Data Protection, Anti Money Laundering, Consumer Credit Directive and Consumer Credit Act
• 30 days holiday + statutory holidays + birthday off(if on a working day)
• Private Healthcare plan for you and your family (Bupa or equivalent).

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