We know that our people are our biggest investment and finding the right people who will put our customers first and provide world class service is a tough job which is why, when we find talented people, we want to develop them and enable them to grow a career with us, not just fill a seat in a contact centre. What you will do As an Underwriter You will be responsible for assessing retail credit applications from customers, making an informed decision whether to lend. These decisions are to be made in accordance with the companies lending policies, making sure the customer satisfies relevant credit reference checks. You will also identify potential fraudulent applications, liaising with other departments to investigate the situation. What you will bring Ideally, you will be from an Underwriting background or have experience in consumer lending. We are looking for someone who has a strong understanding of the lending application processes, and is experienced in working under pressure to strict deadlines. How you will be rewarded Along with a competitive base salary you will receive Annual bonus scheme Life assurance Matched pension contributions 25 days annual leave plus bank holidays and your birthday off, on us! A wide range of flexible benefits from Cycle2Work to private healthcare Free fruit and hot drinks throughout the day Paid volunteering days and matched charity fundraising Free parking How we work Our standard full time hours are 35 hours per week and in the Underwriting team we operate a flexible shift pattern within the opening hours of 8.00am-8.00pm Monday-Friday, 8.00am - 6.00pm on Saturday and 9.00am - 5.00pm on Sunday. We understand that people don't always thrive in the same environment, we embrace difference and so want to ensure we provide a balance of face to face collaboration and the ability to focus on deep work without distraction which is why our Workwise policy works for us. We expect 50% of our colleagues time is spent onsite, however apply this flexibly in line with business requirements. You can request flexible working arrangements at any time, if your needs differ from the standard working pattern well consider your needs and the needs of your role, and try and find something that works for everyone. At V12 Retail Finance you will not be a small cog in a big wheel, you will have the autonomy to use your skills and experience to drive our business forward and have a tangible effect on our success. In return you will receive a competitive salary package, inclusion in the company bonus scheme, share save scheme and a suite of flexible benefits and discounts that you can opt into to suit your lifestyle, from gym membership to private medical cover. As a business we celebrate achievement and have a range of generous recognition schemes that reward both individual and team successes. We also offer free fruit, hot & cold drinks throughout the day and dedicated breakout areas. We offer excellent in house training and development schemes and a range of external qualifications to enable your progression and career development. Every single member of our team has a personal development plan to help them achieve their goals, whatever their career ambitions. Everyone is different. Everyone is valued Were building one of the best banks in Britain. Its what weve been doing since 1952 and in that time, weve learned that were more than the sum of our parts. Were a strong Group because of our people. And all our people are different. Every one of our employees brings unique talent, ability and perspective to their role. Thats why Secure Trust Bank Group nurtures differences. We understand that we perform better because were not cast from the same mould. We actively embrace and celebrate diversity, work with leading industry bodies and support initiatives that reinforce our philosophy of giving you the freedom to be who you are. Were an award-winning bank providing savings accounts andlending servicesto over one million customers. Were Secure Trust Bank Group. We embrace difference.