Universal Underwriter (Operations)

Deloitte - Recruitment; Ledston; Hybrid; GBP 65,000 - 96,000; Full time

Job summary

Deloitte - Recruitment in Leeds/Sheffield hybrid is seeking a Universal Underwriter (Operations) to assess lending applications and make responsible credit decisions for retail banking clients. The role is based in the UK with a hybrid working model.

You will identify fraud, support risk controls, and work with teams to improve the customer journey while meeting regulatory requirements. This is a 6‑month initial contract.

Qualifications

• Experience assessing lending applications and making credit decisions.
• Good understanding of responsible lending and credit risk.
• Strong analytical and decision‑making skills.

Responsibilities

• Assess customer financial circumstances for lending.
• Make credit decisions in line with lending standards.
• Identify fraud and minimise losses.
• Ensure policies and controls are followed.
• Support improvements to the customer journey.
• Provide guidance to related business areas.
• Contribute to team performance and customer outcomes.

Skills

Underwriting

Credit assessment

Regulatory awareness

Analytical thinking

Job description

Universal Underwriter (Operations) Deloitte - Recruitment•Leeds, WYK, gb

Role: Universal Underwriter (Operations) | Leeds or Sheffield | Hybrid

Start Date: ASAP

End Date: 6 Months (initially)

Daily Rate: Competitive (Inside IR35)

Are you ready for your next career challenge? Are you an experienced Underwriter or Credit professional looking to take your career in a new direction?

We’re looking for a Universal Underwriter (Operations) to join a leading UK financial services organisation, supporting its retail banking customers and playing a key role in responsible lending decisions.

This is an excellent opportunity to use your existing underwriting and credit experience while developing your skills across a broader range of products, customers and business areas.

The role

As a Universal Underwriter, you’ll be responsible for assessing customers’ financial circumstances when they apply for lending facilities and making well‑reasoned, responsible and evidence‑based credit decisions.

You’ll also work closely with colleagues across the business to improve the customer journey, manage risk and ensure customers receive appropriate outcomes.

Key responsibilities include:

• Assessing customer financial circumstances and lending applications
• Making responsible credit and lending decisions in line with agreed lending standards
• Identifying potential fraud and helping minimise losses and bad debt
• Ensuring all policies, procedures and internal controls are followed
• Providing guidance and feedback to related business areas
• Supporting continuous improvement across the customer journey
• Reviewing policies and procedures and making evidence‑based recommendations for change
• Working towards customer satisfaction, revenue and cost‑containment objectives
• Ensuring relevant regulatory requirements are understood and applied
• Contributing to strong team performance and positive customer outcomes

What we’re looking for

We’re keen to hear from candidates with experience in underwriting, credit assessment, lending operations or a related financial services environment. You’ll ideally have:

• Experience assessing lending applications and making credit decisions
• A good understanding of responsible lending and credit risk principles
• Experience identifying fraud, risk and potential financial losses
• Knowledge of relevant regulatory requirements
• Strong analytical and decision‑making skills
• Excellent attention to detail
• A customer‑focused approach
• The confidence to challenge processes and identify opportunities for improvement
• Strong communication and stakeholder management skills
• An understanding of the wider UK financial services and retail banking environment

Full-time