Underwriter

Go Car Credit Limited; Warrington; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

A leading company in the motor finance sector is seeking experienced Underwriters to join their team in Warrington or Portsmouth. The role involves assessing loan applications and making informed decisions based on data and guidelines. The company values work-life balance and offers hybrid working options, along with comprehensive wellbeing support and financial benefits.

Benefits

25 days’ holiday plus bank holidays

Wellbeing support including counselling

Financial wellbeing guidance

Discounted gym memberships

Free flu vaccinations

Qualifications

• Experience in non-prime motor finance underwriting.
• Ability to make nuanced decisions using complex data.

Responsibilities

• Assess suitability of HPA offers based on individual circumstances.
• Evaluate vehicles using third-party and internal data.

Skills

Decision Making

Data Analysis

Communication

Job description

6 days ago Be among the first 25 applicants

Go Car Credit is a specialist motor finance lender supporting those with less than perfect credit scores to get behind the wheel. Our hire purchase deals don’t just get people a great car – they give people the chance to rebuild their credit score too.

To support growth we’re looking for experienced underwriters who have recently worked in non-prime motor finance underwriting to join us at either our Warrington or Portsmouth offices. We're open to people looking for part time hours as well.

As key contributors to delivering good outcomes and our proposition to customers, Go Car Credit’s underwriters decide on the suitability of HPA offers based on applicants’ individual circumstances. Decisions are based on data from applications and credit reference agencies, as well as information from proprietary credit and affordability assessment tools. In addition, our underwriting team also undertake a careful assessment of vehicles being offered to applicants, using both third-party data and internal tools, to ensure they meet our lending and funding criteria. You will be comfortable using complex data to make nuanced decisions, and will take into account our policies and guidelines to come to your conclusion. As an experienced underwriter, you will use your knowledge and skills to apply a holistic approach to identify exceptions which will result in good outcomes for all involved.

If you're efficient, motivated and have a track record of making good decisions, we’d love to hear from you!

In return we offer:

• Work-life balance – 37.5 hours per week, hybrid working from our Warrington or Portsmouth offices with a level of evening, weekend and bank holiday working that still allows you to have a good work-life balance
• 25 days’ holiday plus bank holidays and a day off for your birthday (FTE)
• Wellbeing support – market leading EAP including 24/7 advice line and 6 sessions of counselling for you and your immediate family, paid leave when you need it most (company sick pay, time off for medical appointments, emergency dependent leave, compassionate leave and fertility treatment leave)
• Financial support – financial wellbeing guidance, discount platform access, car sharing scheme, discounted gym memberships, free flu vaccinations
• Positive culture with a sociable atmosphere, casual dress code, food and drinks provided in the offices at great business park locations

We encourage applications from people from all backgrounds to join our team at Go Car Credit. Just as our customers come from diverse backgrounds, so do we, and we treat our team and our customers as individuals – with respect and fairness. If this sounds like the role for you, please get in touch.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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