Job Description

Underwriter – Slough – £35K

Our client has a great opportunity to recruit an Underwriting Specialist to work in their dynamic and highly professional organisation. The successful candidate must be able to demonstrate:

  • 3 years’ experience in an underwriting or credit analyst position in financial services
  • Experience in the automotive or consumer finance industry is advantageous.
  • Practical experience with scorecard design and testing.
  • That you are detail oriented     
  • Good problem solving, communication, and organisational skills
  • The ability to maintain a satisfactory attendance record

Reporting to the Underwriting Team Leader you will be responsible for:

  • Underwrites in accordance with credit policy rules, retail portfolio quality and service level adherence targets
  • Ensure Underwriting work queues are reviewed in accordance with agreed work queue status review targets 
  • Answering inbound dealer and Account Manager enquiry calls in accordance with average speed of answer targets
  • Ensure the Team Leader is aware of potential issues associated with proposal backlog
  • Undertake testing and tuning of the retail and commercial scorecards
  • Meet individual telephone statistic goals
  • Adhere to formal and regulatory processes and policies
  • Participate in tuning of any predictive risk modelling (in conjunction with the Team Leader and or Collections personnel)
  • Review SLA adherence and performance reports 

Our client is looking for the following attributes:

  • Capable of undertaking quantitative and qualitative analysis; the ability to review metrics/financial ratios and supporting information and be able to understand what they mean for each proposal
  • Sees non-apparent relationships between data and information 
  • Understand financial statements (balance sheets, income statements, cash flow)
  • Able to interpret CRA and HPI reports, extracting non apparent information when making lending decisions 
  • Thoroughly understand underwriting and credit practices and procedures
  • Adhere to the Underwriting team schedule and attendance guidelines
  • Confident in making credit decisions and takes ownership of individual proposals
  • Ability to operate, upon training, a credit decisioning and workflow management system. 

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