Universal Underwriter (Operations)

Role: Universal Underwriter (Operations) Leeds or Sheffield Hybrid

Location: Leeds

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

Were 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 youll be responsible for assessing customers financial circumstances when they apply for lending facilities and making well-reasoned responsible and evidence-based credit decisions.

Youll 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 were looking for

Were keen to hear from candidates with experience in underwriting credit assessment lending operations or a related financial services environment. Youll 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

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