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Senior Credit Underwriter

  • Location: Bradford
  • Salary: £32000 per year
  • Job Type:Permanent

Posted 11 months ago

  • Sector: Credit Risk & Analytics
  • Contact: Lorraine Carroll
  • Contact Email: lcarroll@merje.com
  • Contact Phone: 0161 883 2759
  • Expiry Date: 07 July 2023
  • Job Ref: LC/10420

Senior Credit Underwriter - Bradford -Hybrid working

Purpose:

To undertake manual credit worthiness and affordability assessments for the customers in line with regulatory standards and with consideration of the impact on both the customer and the business

Your Role Accountabilities

  • Underwrite new business applications and credit limit increase requests, delivering timely decisions within SLA and in accordance with Credit Risk Policy. 

  • Review historic credit decisions based on irresponsible lending complaints from customers and provide summaries and recommendations to the complaints team.

  • Clearly articulate and document the rationale for all decisions made.

  • Maintain effective relationships with the operational and wider FS teams.

  • Identify and propose improvements to underwriting processes and procedures to deliver efficiencies.

  • Provide support, oversight and training for junior underwriters.

  • Deputise for the Credit Underwriting Manager

  • Maintain awareness of regulatory requirements and undertake all tasks in line with FCA and ICO requirements and all relevant codes of conduct.

  • To be committed to the fair treatment of customers at all times

Skills & Experience

  • Strong experience of underwriting Consumer Credit

  • Good knowledge of the consumer credit industry and of the consumer credit customer life cycle.

  • Awareness of regulatory requirements and of the FCA Handbook.

  • Ability to use multiple sources of information to make informed, judgemental decisions.

  • Able to work independently with minimal supervision.

  • Proficient IT skills and competent in Microsoft Office