Job Description
Job Title: Credit Underwriter\n\nLocation: Hybrid (3 days a week on site between Coventry & Slough offices)\n Contract Type: Permanent\n\nAre 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.\n\nRole Summary\n\nWe 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.\n\nKey Responsibilities\n\nManually underwrite credit proposals in line with company policy and service level targets.\nAnalyse financial statements (balance sheets, income statements, cash flow) to assess repayment capacity.\nMake informed lending decisions and document rationale clearly.\nUse internal systems to manage work queues and support auto-acceptance processes.\nRespond to dealer and account manager queries efficiently.\nEscalate proposals exceeding approval limits to senior credit personnel.\nParticipate in scorecard testing and tuning.\nMaintain compliance with internal and regulatory standards.\nContribute to fraud prevention and monthly risk reviews.Required Skills & Experience\n\nExperience in consumer credit underwriting or credit analysis within financial services.\nStrong understanding of credit practices and financial risk assessment.\nProficient in interpreting CRA and HPI reports.\nAdvanced Excel skills including formulas such as VLOOKUP, Pivot Tables, COUNTIF, AVERAGE, and SUM.\nExcellent written and verbal communication skills.\nConfident decision-maker with strong problem-solving abilities.\nAble to work under pressure and manage own workload effectively.\nExperience in automotive or consumer finance is preferred but not essential. \n\nPlease 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.\n\nAdecco 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