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- Tasks: Assess financial risk and make credit decisions on dealer proposals.
- Company: Dynamic finance company based in Slough with a focus on innovation.
- Benefits: Competitive salary of £35k plus benefits and opportunities for growth.
- Why this job: Join a team where your analytical skills can directly impact lending decisions.
- Qualifications: 3+ years in underwriting or credit analysis, strong analytical and communication skills.
- Other info: Exciting opportunity to work in a fast-paced environment with career advancement potential.
The predicted salary is between 30000 - 42000 £ per year.
Overview
Location – Slough
Salary – 35k plus benefits
Purpose: Assess financial risk and make credit decisions by manually underwriting dealer proposals, ensuring compliance with credit policies and service targets.
Key Responsibilities
- Review and underwrite dealer proposals according to credit rules and quality standards.
- Analyse customer financial statements and repayment capacity to make accurate lending decisions.
- Manage work queues using underwriting systems to meet service level targets.
- Respond to dealer and account manager enquiries promptly.
- Support scorecard testing, tuning, and predictive risk modelling.
- Ensure adherence to regulatory and internal policies.
- Monitor and report on service level agreements and performance.
Requirements
- Strong analytical skills with the ability to interpret financial statements and credit reports.
- Confident in making credit decisions and managing workflow systems.
- Detail-oriented with good communication skills.
- Minimum 3 years’ experience in underwriting or credit analysis in financial services.
- Experience in automotive or consumer finance is a plus.
- Knowledge of scorecard design and testing advantageous.
Seniority level
- Not Applicable
Employment type
- Full-time
Job function
- Finance
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Underwriter employer: HERTS RESOURCING GROUP LIMITED
Contact Detail:
HERTS RESOURCING GROUP LIMITED Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the finance and underwriting sectors on LinkedIn. A friendly message can go a long way, and you never know who might have a lead on your dream job.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills. Be ready to discuss how you've assessed financial risks in the past. We want to hear about your thought process when making credit decisions!
✨Tip Number 3
Showcase your detail-oriented nature during interviews. Bring examples of how you've ensured compliance with credit policies and service targets in previous roles. This will demonstrate that you're the right fit for the job!
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in underwriting and credit analysis. We want to see how your skills match the job description, so don’t be shy about showcasing your analytical prowess and any relevant experience in automotive or consumer finance.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for the Underwriter role. Mention specific examples of how you've made credit decisions and managed workflows in the past, and don’t forget to show your enthusiasm for joining our team at StudySmarter.
Be Clear and Concise: When filling out your application, keep your language clear and to the point. We appreciate detail-oriented candidates, but we also love a straightforward approach. Make it easy for us to see your qualifications without wading through unnecessary fluff!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about what we do at StudySmarter!
How to prepare for a job interview at HERTS RESOURCING GROUP LIMITED
✨Know Your Numbers
As an underwriter, you'll need to demonstrate strong analytical skills. Brush up on your ability to interpret financial statements and credit reports. Be prepared to discuss specific examples from your past experience where you made critical lending decisions based on financial data.
✨Familiarise Yourself with Credit Policies
Make sure you understand the credit rules and quality standards relevant to the role. Research the company's specific policies and be ready to explain how you would ensure compliance while managing dealer proposals effectively.
✨Showcase Your Communication Skills
Good communication is key in this role, especially when responding to dealer and account manager enquiries. Prepare to share examples of how you've successfully communicated complex information in previous roles, highlighting your detail-oriented approach.
✨Prepare for Scenario Questions
Expect scenario-based questions that test your decision-making skills. Think about situations where you had to manage work queues or make tough credit decisions. Practising these scenarios will help you articulate your thought process during the interview.
