At a Glance
- Tasks: Support lending decisions and ensure a great experience for our members.
- Company: Join a certified Great Place to Work with a supportive culture.
- Benefits: Competitive salary, hybrid working, enhanced leave, and professional development.
- Other info: Full training provided; excellent career growth opportunities await!
- Why this job: Make a real impact while learning in a dynamic financial services environment.
- Qualifications: Detail-oriented, organised, and have customer service experience.
The predicted salary is between 26806 - 26806 £ per year.
We’re on the lookout for a motivated and detail-oriented Junior Underwriter to join our growing team. Whether you’re early in your career or looking to build on existing experience, this role offers a great opportunity to learn, develop, and make a real impact.
As a Junior Underwriter, you’ll play an important role in supporting lending decisions and helping us deliver a great experience for our members. Day-to-day, you’ll:
- Help deliver fair, responsible, and consistent lending decisions.
- Accurately record and verify all information, ensuring loan documentation and supporting evidence are complete, factual, and compliant with regulatory and internal standards.
- Prepare comprehensive case files by compiling financial assessments, cross-checking documentation, and highlighting key risks or considerations for final review.
- Work proactively with the Underwriters to ensure consistency in loan decisioning across the portfolio and to identify improvements to the loan application process.
- Identify, investigate, and escalate potential indicators of fraud, ensuring robust prevention practices are applied throughout the loan assessment process.
- Work in partnership with internal teams across the Credit Union to ensure a seamless and positive experience for members throughout the loan journey.
We’re less about ticking every box and more about finding the right mindset. If you’re someone who:
- Is detail-oriented and naturally curious.
- Is organised and able to manage your workload.
- Has excellent written and verbal communication skills; excellent eye for detail.
- Is self-motivated and well organised; able to multi-task and manage own workload; able to work on own initiative and deliver agreed measures.
- Is analytical; able to think clearly under pressure; able to analyse data and present it clearly; able to prioritise work.
- Has evidence of numerical ability and is proficient in Microsoft Office.
- Has a minimum of 2 years’ experience in a lending environment; proven experience in customer service.
- Has evidence of understanding and ability to communicate in English.
- Has an understanding of Debt Management Plans and Insolvency.
- Is eager to learn and develop in a financial services environment.
What We're Offering: You don’t need to have any experience in a Credit Union as full training is provided. Hybrid working is available for all employees, with a minimum of 3 days at our offices in Birmingham (between 9am and 4:30pm) and the rest from home if you prefer. We offer enhanced leave, an employer-contributed pension scheme and a friendly and relaxed working environment where you will be supported to develop yourself and your career.
Serve and Protect is a great place to work, but don’t take our word for it! We are a Great Place to Work certified company and also earned a place on the Best Workplaces (Small), Best Workplaces for Wellbeing (Small) and Best Workplaces in Financial Services and Insurance (Small & Medium) in 2024.
Why Join Us? Be part of an organisation that puts people before profit. A supportive, collaborative team environment. Opportunities for professional development and progression. Competitive salary and benefits package.
Ready to Apply? If you’re ready to take the next step in your career and lead a team that makes a difference every day, we’d love to hear from you.
Job Type: Full-time
Pay: From £26,806 per year
Additional pay: Performance bonus
Benefits: Additional leave, Bereavement leave, Company events, Company pension, Enhanced maternity leave, Enhanced paternity leave, Sick pay, Store discount, Hybrid working.
Junior Underwriter in Birmingham employer: Serve and Protect Credit Union
Serve and Protect is an exceptional employer that prioritises the well-being and development of its employees. With a supportive and collaborative work culture, hybrid working options, and a commitment to professional growth, you will thrive in a friendly environment that values your contributions. Join us in Birmingham, where you can make a meaningful impact while enjoying competitive benefits and a focus on work-life balance.
Contact Details:
Serve and Protect Credit Union Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Junior Underwriter in Birmingham
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and practising common questions. Show them you’re not just another candidate; demonstrate your passion for the role and how you can contribute to their team.
✨Tip Number 3
Follow up after interviews with a thank-you email. It’s a simple gesture that shows your appreciation and keeps you fresh in their minds. Plus, it’s a great chance to reiterate your interest in the position!
✨Tip Number 4
Don’t forget to apply through our website! We love seeing applications directly from motivated candidates like you. It shows initiative and gives us a better sense of who you are right from the start.
We think you need these skills to ace Junior Underwriter in Birmingham
Some tips for your application 🫡
Show Your Curiosity:When writing your application, let your natural curiosity shine through! We want to see that you're eager to learn and develop in the financial services environment. Share examples of how you've sought out new knowledge or tackled challenges in previous roles.
Be Detail-Oriented:As a Junior Underwriter, attention to detail is key. Make sure your application is free from typos and errors. Highlight your ability to accurately record and verify information by providing specific examples from your past experiences.
Communicate Clearly:Excellent written communication skills are a must for this role. Use clear and concise language in your application. If you can present complex information simply, it’ll show us you’re the right fit for supporting lending decisions.
Tailor Your Application:Don’t just send a generic application! Tailor your CV and cover letter to reflect the skills and experiences mentioned in the job description. This shows us you’ve done your homework and are genuinely interested in joining our team.
How to prepare for a job interview at Serve and Protect Credit Union
✨Know Your Stuff
Before the interview, make sure you understand the basics of underwriting and the lending process. Brush up on key terms and concepts related to financial assessments and compliance. This will show your enthusiasm and readiness to dive into the role.
✨Showcase Your Attention to Detail
As a Junior Underwriter, being detail-oriented is crucial. Prepare examples from your past experiences where your attention to detail made a difference. Whether it’s catching an error in documentation or ensuring compliance, these stories will highlight your fit for the role.
✨Ask Smart Questions
Prepare thoughtful questions about the company’s approach to lending decisions and how they handle fraud prevention. This not only shows your interest but also gives you insight into their processes and culture. Plus, it demonstrates your analytical mindset!
✨Demonstrate Your Team Spirit
Since collaboration is key in this role, be ready to discuss how you’ve worked effectively in teams before. Share examples of how you’ve partnered with others to achieve common goals, especially in a customer service or lending environment.
