Credit Risk Analyst

5 days ago


Birmingham, Birmingham, United Kingdom Vivo Talent Solutions Full time

Job Summary

Vivo Talent Solutions is seeking a highly skilled Credit Underwriter to join our dynamic team. As a Credit Underwriter, you will play a critical role in assessing new lending applications for risk and quality, ensuring compliance with legislation and regulation, and working closely with internal and external stakeholders to deliver timely decisions and exceptional customer service.

Key Responsibilities

  • Assess new lending applications for risk and quality, ensuring adherence to credit policy and regulatory requirements.
  • Analyse loan applications for completeness and accuracy, identifying potential risks and areas for improvement.
  • Collaborate with internal and external stakeholders to ensure timely decisions and a high standard of customer service.
  • Develop and maintain strong relationships with clients, understanding their needs and providing tailored solutions.

Requirements

  • Demonstrated experience underwriting both simple and complex Buy-to-Let (BTL) products.
  • Ability to underwrite manually across multiple BTL types, including HMOs, portfolio landlords, LTD companies, and LLP entities.
  • Strong understanding of regulatory requirements, including the PRA and FCA handbook.

What We Offer

Vivo Talent Solutions offers a dynamic and supportive work environment, with opportunities for professional growth and development. As a Credit Underwriter, you will have the chance to work with a fast-growing Challenger bank, contributing to the success of our clients and the organization as a whole.


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