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- Tasks: Assess retail credit applications and make informed lending decisions.
- Company: V12 Retail Finance, a company that values talent and customer-first culture.
- Benefits: Competitive salary, life assurance, 25 days leave, and flexible benefits.
- Why this job: Join a supportive team and develop your career in a dynamic environment.
- Qualifications: Experience in underwriting or consumer lending with strong deadline management.
- Other info: Flexible working hours and opportunities for personal development.
The predicted salary is between 28800 - 43200 £ per year.
At V12 Retail Finance we invest in our people, recognising that our greatest asset is our talent. We are committed to developing careers and fostering a culture where customers are always first.
What You Will Do
- Assess retail credit applications from customers.
- Make informed lending decisions in line with company policies.
- Ensure customers satisfy credit reference checks.
- Identify potential fraud.
- Liaise with other departments to investigate suspicious applications.
What You Will Bring
- Ideally have an underwriting background or experience in consumer lending.
- Strong understanding of lending application processes.
- Able to work under strict deadlines.
How You Will Be Rewarded
- Competitive base salary.
- Life assurance.
- Matched pension contributions.
- 25 days annual leave plus bank holidays and a birthday off, on us!
- Flexible benefits including Cycle2Work and private healthcare.
- Free fruit and hot drinks throughout the day.
- Paid volunteering days and matched charity fundraising.
- Free parking.
How We Work
- Full-time, 35 hours per week.
- Flexible shift pattern within 8:00‑20:00 Monday‑Friday, 9:00‑18:00 Saturday, 9:00‑17:00 Sunday.
- 50% of time spent onsite, with flexible arrangements.
- Location: Cardiff, Wales, United Kingdom.
Each member has a personal development plan, access to in‑house training and external qualifications, and recognition schemes for individual and team success. We celebrate diversity and are proud to be one of the best banks in Britain.
Underwriter in Cardiff employer: V12 Retail Finance
Contact Detail:
V12 Retail Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in Cardiff
✨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 practising common underwriting scenarios. Think about how you'd assess different credit applications and be ready to discuss your thought process. This will show you're not just knowledgeable but also proactive!
✨Tip Number 3
Don’t forget to follow up after interviews! A quick thank-you email can keep you fresh in their minds and shows your enthusiasm for the role. Plus, it’s a great chance to reiterate why you’re the perfect fit.
✨Tip Number 4
Apply through our website for the best chance at landing that Underwriter role. We love seeing candidates who take the initiative to engage directly with us. It shows you’re serious about joining the team!
We think you need these skills to ace Underwriter in Cardiff
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight any relevant experience in underwriting or consumer lending, and don’t forget to showcase your understanding of lending application processes.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about the role and how your skills align with what we’re looking for. Keep it concise but impactful!
Showcase Your Attention to Detail: As an Underwriter, attention to detail is key. Make sure your application is free from typos and errors. This shows us that you take pride in your work and understand the importance of accuracy.
Apply Through Our Website: We encourage you to apply through our website for a smooth application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at V12 Retail Finance
✨Know Your Underwriting Stuff
Make sure you brush up on your underwriting knowledge and consumer lending processes. Familiarise yourself with common credit application scenarios and the types of fraud that can occur. This will help you answer questions confidently and show that you’re ready to hit the ground running.
✨Showcase Your Decision-Making Skills
During the interview, be prepared to discuss how you make informed lending decisions. Use examples from your past experience to illustrate your thought process and how you ensure compliance with company policies. This will demonstrate your ability to handle the responsibilities of the role effectively.
✨Be Ready for Scenario Questions
Expect to face scenario-based questions where you’ll need to assess a hypothetical credit application. Practice articulating your reasoning and the steps you would take to investigate suspicious applications. This will highlight your analytical skills and attention to detail.
✨Emphasise Team Collaboration
Since liaising with other departments is key in this role, share examples of how you’ve successfully worked with others in the past. Highlight your communication skills and how you approach teamwork, as this will show that you can thrive in their collaborative environment.