Job Title:
Underwriting Specialist
Location
- Slough
Salary
- 35k plus benefits
Purpose:
Assess financial risk and make credit decisions by manually underwriting dealer proposals, ensuring compliance with credit policies and service targets.
Key Responsibilities:
* Review and underwrite dealer proposals according to credit rules and quality standards.
* Analyse customer financial statements and repayment capacity to make accurate lending decisions.
* Manage work queues using underwriting systems to meet service level targets.
* Respond to dealer and account manager enquiries promptly.
* Support scorecard testing, tuning, and predictive risk modelling.
* Ensure adherence to regulatory and internal policies.
* Monitor and report on service level agreements and performance.
Requirements:
* Strong analytical skills with the ability to interpret financial statements and credit reports.
* Confident in making credit decisions and managing workflow systems.
* Detail-oriented with good communication skills.
* Minimum 3 years' experience in underwriting or credit analysis in financial services.
* Experience in automotive or consumer finance is a plus.
* Knowledge of scorecard design and testing advantageous.