Job Title: Credit Underwriter Location: Hybrid (3 days a week on site between Coventry & Slough offices) Contract Type: Permanent Are you ready to take your career to the next level in the financial services industry? Our client is seeking a dynamic and detail-oriented Credit Underwriter to join their Credit & Underwriting department! This is your chance to play a crucial role in assessing financial risks and making impactful lending decisions. Role Summary We are seeking a detail-oriented and analytical Credit Underwriter to join a dynamic financial services team. The successful candidate will be responsible for assessing credit applications across private individuals, SMEs, and corporate clients, ensuring decisions align with internal credit policies and risk tolerance. Key Responsibilities Manually underwrite credit proposals in line with company policy and service level targets. Analyse financial statements (balance sheets, income statements, cash flow) to assess repayment capacity. Make informed lending decisions and document rationale clearly. Use internal systems to manage work queues and support auto-acceptance processes. Respond to dealer and account manager queries efficiently. Escalate proposals exceeding approval limits to senior credit personnel. Participate in scorecard testing and tuning. Maintain compliance with internal and regulatory standards. Contribute to fraud prevention and monthly risk reviews.Required Skills & Experience Experience in consumer credit underwriting or credit analysis within financial services. Strong understanding of credit practices and financial risk assessment. Proficient in interpreting CRA and HPI reports. Advanced Excel skills including formulas such as VLOOKUP, Pivot Tables, COUNTIF, AVERAGE, and SUM. Excellent written and verbal communication skills. Confident decision-maker with strong problem-solving abilities. Able to work under pressure and manage own workload effectively. Experience in automotive or consumer finance is preferred but not essential. Please note: Due to the high volume of applications, only successful candidates will be contacted. If you do not hear from us within 48 hours, unfortunately, your application has not been successful on this occasion. However, we may retain your details for any future suitable vacancies and contact you accordingly. Adecco is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone's chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive. If you require reasonable adjustments at any stage, please let us know and we will be happy to support you