Universal Underwriter (Operations)

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

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
·
· 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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