Credit Underwriter

Bank of Ireland (UK) plc; Belfast; Hybrid; GBP 30,000 - 50,000; Full time

Job summary

An exciting opportunity awaits at a forward-thinking bank, where you can contribute to the risk assessment and approval of credit proposals. Join a dynamic underwriting team in a hybrid role that prioritizes customer service and compliance. This position offers flexibility and the chance to work with a variety of stakeholders while ensuring excellent credit quality. With a commitment to work-life balance and a supportive culture, this role is perfect for high performers looking to make a significant impact in a growing business.

Benefits

24 Days Annual Leave

Flexible Working Options

Excellent Pension Contributions

Paid Maternity Leave

Employee Assistance Program

Financial Wellbeing Coaches

Support for Educational Qualifications

Qualifications

• Experience in secured or unsecured lending is beneficial.
• Strong communication and influencing skills are essential.

Responsibilities

• Assess and approve proposals from intermediary partners.
• Maintain compliance with credit policy and regulatory requirements.
• Build strong relationships with stakeholders.

Skills

Lending Mandate Experience

Communication Skills

Risk Assessment

Customer Service

Job description

.Credit Underwriter

Belfast, United Kingdom | Hybrid
Permanent | Full time
Closing date: May 15 2025

.Credit Underwriter

• Belfast, United Kingdom

• Full time

• Closing on: May 15 2025

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What is the opportunity

This is an exciting opportunity for someone who is a high performer that likes to deliver excellent service to Customers, whilst supporting the Bank in the risk assessment and approval of good credit quality proposals. This is a great time to join a successful and growing business, and to play your part in working within an established and experienced underwriting team, currently looking to expand its capabilities even further, through new technology and with dynamic and forward thinking colleagues.

Northridge Finance is a 7 day a week business and as such, a level of weekend working is an essential part of this role.

Whilst the team is primarily based in Belfast, other UK locations may be considered.

In this role you will:

• Assess and approve, reject or reposition proposals submitted by our intermediary partners within your agreed lending discretions. Where appropriate, recommending and justifying exceptions to policy.
• Maintain expert knowledge of Northridge Credit Policy and Criteria, ensuring compliance to relevant policy and regulatory requirements.
• Build and maintain strong working relationships with key stakeholders including colleagues in our Sales and Credit Teams.
• Underwrite new business proposals within agreed Service Levels, focussing on Customer Service at all times and providing input into new ways of optimising our service to all stakeholders.

What will make you stand out?

Previous experience operating a lending mandate or discretions in either secured or unsecured lending.

Having a flexible approach to working hours, including working some weekends and additional hours during high levels of volume

Strong communication and influencing skills when communicating decisions or repositioning applications

Essential Qualifications

No essential qualifications

More about the team

The UK Underwriting Department within Retail UK Operations provides support to both the UK Mortgage business and Northridge Finance (Motor, Consumer and SME asset finance) by underwriting all new and existing business applications. These businesses operate in a highly competitive market, delivering excellent credit quality, supported by a strong service propositions. Critical to this is maintaining Service Level Agreements with intermediaries & direct customers and working in partnership with the Mortgage and Northridge Senior Management teams. The Northridge Finance business is open 7 days per week 362 days per annum.

Why work with us

The Bank of Ireland company culture prioritises work-life balance with an opportunity for flexible working, along with 24 days annual leave and excellent pension contributions. Family can mean different things to different people; we offer 6 months paid maternity leave, an innovative fertility and surrogacy policy and working parent supports.

Your wellbeing is important to us; we have an employee assistance program and financial wellbeing coaches available. We also encourage and support staff to pursue educational and professional qualifications to grow and enhance your career!

Key Competencies

• Customer Focused - Self
• Accountable - Self
• Manage Risk - Self
• One Group, one team - Self
• Agile - Self

Where Agency assistance is required Bank of Ireland Recruitment Team will engage directly with suppliers. Unsolicited CVs / profiles supplied to Bank of Ireland by Recruitment Agencies will not be accepted for this role.

Bank of Ireland Group is an equal opportunities employer and is committed to fostering an inclusive workplace which values and benefits from the diversity of our workforce. We offer reasonable accommodation at every stage of the application and interview process. If you require assistance, please contact .

Apply now

Our application form takes just minutes to complete. If you have any questions or require assistance with our application process, you can fill out this form and one of our recruitment team members will be in touch via email.