Credit Underwriter

Job Title: Credit UnderwriterLocation: Hybrid (3 days a week on site between Coventry and Slough offices) Contract Type: Permanent Are you ready to take your career to the next level in the financial services industry? Our client is seeking a dynamic and detail-oriented Credit Underwriter to join their Credit and Underwriting department! This is your chance to play a crucial role in assessing financial risks and making impactful lending decisions. Role SummaryWe are seeking a detail-oriented and analytical Credit Underwriter to join a dynamic financial services team. The successful candidate will be responsible for assessing credit applications across private individuals, SMEs, and corporate clients, ensuring decisions align with internal credit policies and risk tolerance.Key ResponsibilitiesManually underwrite credit proposals in line with company policy and service level targets.Analyse financial statements (balance sheets, income statements, cash flow) to assess repayment capacity.Make informed lending decisions and document rationale clearly.Use internal systems to manage work queues and support auto-acceptance processes.Respond to dealer and account manager queries efficiently.Escalate proposals exceeding approval limits to senior credit personnel.Participate in scorecard testing and tuning.Maintain compliance with internal and regulatory standards.Contribute to fraud prevention and monthly risk reviews.Required Skills and ExperienceExperience in consumer credit ..... full job details .....