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?

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

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