Junior Credit Underwriter

TN United Kingdom; Maidenhead; On-site; GBP 30,000 - 50,000; Full time

Job summary

A reputable organization is seeking a Credit Underwriter to join their dynamic team in Maidenhead. This role offers an exciting opportunity to support credit risk management while collaborating with finance, sales, and external stakeholders. The ideal candidate will have a minimum of 12 months experience in credit underwriting and possess strong analytical skills. With a focus on operational excellence and customer outcomes, you will make informed lending decisions and recommendations. Enjoy a hybrid working model that allows flexibility, making this position perfect for those looking to balance their career with personal commitments.

Qualifications

• Minimum of 12 months experience in a credit underwriting role.
• Proven analytical skills with a highly numerate approach.

Responsibilities

• Deliver timely credit decisions within established parameters.
• Collaborate with business areas to ensure fair lending outcomes.

Skills

Analytical Skills

Credit Underwriting

Decision-Making

Risk Assessment

Job description

Job Opportunity: Credit Underwriter

Are you looking to kick start your career in a supportive, collaborative, and innovative company? Do you enjoy working as part of an enthusiastic, passionate, and collaborative team?

We have an opportunity based in Maidenhead within the Credit Underwriting and Risk team at a reputable and well-respected organization, offering excellent career development opportunities.

This role is a key position supporting the growing credit underwriting and risk team in a dynamic business environment. You will work closely with finance, sales, external stakeholders, insurance brokers, and customers to maintain credit risk controls within an existing framework and provide a unique service to clients.

Responsibilities:

1. Deliver timely credit decisions within established credit parameters and own underwriting authority, providing commercially balanced recommendations that consider risk and support business and customer needs.
2. Make recommendations with substantiated rationale for deals outside of your personal credit underwriting mandate.
3. Assist with daily credit management and decision-making processes.
4. Collaborate with other business areas to ensure correct lending decisions and fair outcomes for customers.
5. Achieve operational excellence by meeting KPI targets and objectives set by the business.

Experience Required:

• Minimum of 12 months experience in a credit underwriting role, with a highly numerate and motivated approach.
• Proven analytical skills with the ability to document findings and make informed recommendations.
• Strong character to stand by decisions and explain them clearly to less familiar colleagues.
• Ability to think critically about policies and procedures, considering risk implications.
• Comfort with taking calculated risks that lead to favorable outcomes.

Flexible Working Patterns:

• Hybrid working – 3 days in the office and 2 days working from home.
• Flexible hours – start and finish times can be adjusted to suit your needs.
• Flexibility around school pick-up and drop-offs.