Universal Underwriter (Operations) Sheffield

Deloitte - Recruitment; Sheffield, Leeds; On-site; GBP 65,000 - 101,000; Full time

Job summary

Universal Underwriter (Operations) role based in Leeds or Sheffield at Deloitte - Recruitment, joining a leading UK financial services organisation to support retail banking customers and to make responsible lending decisions.

The position develops underwriting and credit experience across a broader range of products and customers, with an ASAP start and an initial 3-month contract (Inside IR35).

Qualifications

• Experience assessing lending applications and making credit decisions.
• Knowledge of responsible lending and credit risk principles.
• Ability to follow policy, procedure and decision trees in lending.

Responsibilities

• Assessing customer financial circumstances and lending applications.
• Making responsible credit and lending decisions in line with 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 regulatory requirements are understood and applied.

Skills

Underwriting experience

Credit assessment

Lending operations

Fraud awareness

Regulatory knowledge

Analytical thinking

Stakeholder management

Attention to detail

Job description

Universal Underwriter (Operations) Sheffield Deloitte - Recruitment•Sheffield, SYK, gb

Role: Universal Underwriter (Operations) | Leeds or Sheffield

Location: Leeds or Sheffield

Start Date: ASAP

End Date: 3 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

• 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
• We don’t need the in-depth judgement lending skills, this role will involve reviewing data, checking policy & procedure, and following a decision tree approach to either accept or decline the low risk / non-complex mortgage application types
• 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