Universal Underwriter (Operations) Sheffield

Role: Universal Underwriter (Operations) | Leeds or Sheffield | Hybrid

Location: Leeds or Sheffield

Start Date: ASAP

End Date:  3 Months (initially)

Daily Rate: Competitive (Inside IR35)

Are you ready for your next career challenge? Are you an experienced Underwriter or Credit professional looking to take your career in a new direction?

We’re looking for a Universal Underwriter (Operations) to join a leading UK financial services organisation, supporting its retail banking customers and playing a key role in responsible lending decisions.

This is an excellent opportunity to use your existing underwriting and credit experience while developing your skills across a broader range of products, customers and business areas.

The role

As a Universal Underwriter, you’ll be responsible for assessing customers’ financial circumstances when they apply for lending facilities and making well-reasoned, responsible and evidence-based credit decisions.

You’ll also work closely with colleagues across the business to improve the customer journey, manage risk and ensure customers receive appropriate outcomes.

Key responsibilities include:

·       Assessing customer financial circumstances and lending applications

·       Making responsible credit and lending decisions in line with agreed lending standards

·       Identifying potential fraud and helping minimise losses and bad debt

·       Ensuring all policies, procedures and internal controls are followed

·       Providing guidance and feedback to related business areas

·       Supporting continuous improvement across the customer journey

·       Reviewing policies and procedures and making evidence-based recommendations for change

·       Working towards customer satisfaction, revenue and cost-containment objectives

·       Ensuring relevant regulatory requirements are understood and applied

·       Contributing to strong team performance and positive customer outcomes

What we’re looking for

We’re keen to hear from candidates with experience in underwriting, credit assessment, lending operations or a related financial services environment. You’ll ideally have:   

·       Experience assessing lending applications and making credit decisions

·       A good understanding of responsible lending and credit risk principles

·       We don’t need the in-depth judgement lending skills, this role will involve reviewing data, checking policy & procedure, and following a decision tree approach to either accept or decline the low risk / non-complex mortgage application types

·       Experience identifying fraud, risk and potential financial losses

·       Knowledge of relevant regulatory requirements

·       Strong analytical and decision-making skills

·       Excellent attention to detail

·       A customer-focused approach

·       The confidence to challenge processes and identify opportunities for improvement

·       Strong communication and stakeholder management skills

·       An understanding of the wider UK financial services and retail banking environment

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