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Retail credit underwriter

Milton Keynes
Momenta
Underwriter
Posted: 5h ago
Offer description

Momenta Milton Keynes, England, United Kingdom


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Momenta Milton Keynes, England, United Kingdom

Join to apply for the Retail Credit Analyst role at Momenta

Direct message the job poster from Momenta

Our client is seeking Credit Underwriters to join their affordability team where you will be responsible for assessing retail credit applications supported by creditworthiness and affordability data to determine lending decisions, ensuring credit is affordable and results in good customer outcomes.

Successful candidates will be working with a high level of accuracy to prescribed processes and strict deadlines as part of a high-quality team.

Tell me more

* Location: Hybrid (1 day per week in Milton Keynes office)
* Rate: £170 p/d inside IR35
* Work Pattern: Standard Business Hours (M-F 8.30 - 5pm)
* Start Dates: 1st August 2025
* Duration: 3 Month Contract

Responsibilities:

* Interpret and analyse customer data such as credit report, open banking reports and/or payslips and bank statements to identify and validate income and expenditure
* Analyse the data to identify any key financial vulnerabilities
* Utilise internal income and expenditure models to form a lending decision and progress the decision to either approve or refer to a senior underwriter as appropriate
* Review and verify customer documentation, ensuring accuracy and completeness in accordance with company policies and regulatory standards
* Handle queries and escalations internally and externally in a proactive and solution-orientated manner
* Work closely with colleagues across the credit and sales teams to ensure clear understanding and communication of credit processes and requirements

Essential skills & experience required:

* Minimum of 1 years’ experience in a credit or lending based role within the financial services sector
* A strong understanding of UK regulation, credit risk principles and risk assessment considerations
* Working knowledge of consumer lending environments and CONC 5 is highly desirable
* Excellent analytical and problem-solving skills with the ability to make informed decisions based on data and regulatory guidelines
* Strong communication skills, both written and verbal with the ability to present findings clearly and concisely
* A team player who can collaborate with team members and wider colleagues across the business


Seniority level

* Seniority level

Associate


Employment type

* Employment type

Contract


Job function

* Job function

Finance
* Industries

Financial Services and Banking

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