This is a 12-month Fixed-Term contract (Maternity Cover). This role is responsible for the thorough underwriting of retail loan and savings applications, ensuring all assessments are conducted within the company’s established procedures and risk appetite.
As an Underwriter, you will play a critical role in evaluating applications by utilising multiple data sources, including credit bureau reports and other supporting documentation, to make informed decisions on creditworthiness, financial stability, and affordability. You will need to apply sound judgment while adhering to regulatory guidelines and internal policies.
You will work closely with cross-functional teams, including risk management, product development, and customer service, to streamline processes, identify areas for improvement, and help shape credit policies to reflect market trends and company goals. Your input will be vital in enhancing operational efficiency and ensuring a consistent approach to risk management across the business.
The position requires a commitment to regular evening and weekend shifts to support business needs, with flexibility in how the workweek is structured.
In addition, there will be opportunities to contribute to strategic initiatives, such as refining underwriting criteria, adopting new technologies, and optimising the customer experience, ensuring that your role as a Credit Underwriter goes beyond daily tasks to shaping the future of the department.
Job requirements
A minimum of 1 year’s experience in underwriting retail consumer lending (preferably in the unsecured / retail credit sector but secured will be considered)
Experience of working in an FCA-regulated environment
A highly customer-focused approach with a commitment to responsible lending
High standards of written and spoken English
Strong attention to detail
Strong interpersonal skills to deal with all levels of seniority
A collaborative approach to working with colleagues in other parts of the business
Be willing to work weekends (Saturdays and Sundays) and evenings as well as occasional
As an Underwriter, you will play a critical role in evaluating applications by utilising multiple data sources, including credit bureau reports and other supporting documentation, to make informed decisions on creditworthiness, financial stability, and affordability. You will need to apply sound judgment while adhering to regulatory guidelines and internal policies.
You will work closely with cross-functional teams, including risk management, product development, and customer service, to streamline processes, identify areas for improvement, and help shape credit policies to reflect market trends and company goals. Your input will be vital in enhancing operational efficiency and ensuring a consistent approach to risk management across the business.
The position requires a commitment to regular evening and weekend shifts to support business needs, with flexibility in how the workweek is structured.
In addition, there will be opportunities to contribute to strategic initiatives, such as refining underwriting criteria, adopting new technologies, and optimising the customer experience, ensuring that your role as a Credit Underwriter goes beyond daily tasks to shaping the future of the department.
Job requirements
A minimum of 1 year’s experience in underwriting retail consumer lending (preferably in the unsecured / retail credit sector but secured will be considered)
Experience of working in an FCA-regulated environment
A highly customer-focused approach with a commitment to responsible lending
High standards of written and spoken English
Strong attention to detail
Strong interpersonal skills to deal with all levels of seniority
A collaborative approach to working with colleagues in other parts of the business
Be willing to work weekends (Saturdays and Sundays) and evenings as well as occasional
