Credit Risk Specialist

7 days ago


StratforduponAvon, Warwickshire, United Kingdom THC Recruitment Full time

Job Summary

THC Recruitment is seeking an experienced Senior Underwriter to join our team. As a Senior Underwriter, you will be responsible for assessing consumer credit applications from customers, making informed decisions whether to lend, and ensuring that these decisions are in line with the company's lending policies.

Key Responsibilities

  • Assessing Credit Applications
    • Review and evaluate consumer credit applications to determine creditworthiness
    • Make informed decisions whether to lend, taking into account credit reference checks and company lending policies
  • Leading and Managing a Team
    • Lead and manage a team of underwriters, providing guidance and support to ensure excellent customer journeys
    • Ensure that all underwriting department service level agreements are fully met
  • Identifying and Mitigating Risk
    • Identify potential fraudulent applications and liaise with other departments to investigate
    • Align underwriting with defined risk policy guidelines to maintain an acceptable level of bad debt

Requirements

  • Experience in consumer motor finance lending
  • Strong understanding of lending application processes and ability to work under pressure to strict deadlines
  • Ability to lead and manage a team of underwriters


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