Underwriter

**Overall purpose of the role**

**Key responsibilities and accountabilities**
- Underwrite referred deals to policy and mandate
- Make confident decisions in line with business rules and processes
- Manage queries via different workflows
- Verification of the completeness and accuracy of credit proposals
- To complete all ad hoc admin tasks as distributed by the Senior / Team Leader / Operations Manager
- Contribute towards the team by working together to achieve the SLA requirements
- Build sustainable relationships with all other internal departments and field staff
- React to any procedure changes positively and proactively
- To present the company in a professional and confidential manner at all times
- To pay due care and attention to your own, and others health & safety at all times

**Person specification**

Qualifications:

- Good educational background with proficiency demonstrable in Maths and English

**Experience**:

- Experience of working in a team in an office environment - preferably in a consumer finance environment
- Knowledge of TCF and Consumer Duty
- Ability to understand and comply with documented processes and procedures

Interpersonal:

- Adaptable and flexible
- Excellent verbal and written communication skills
- Excellent planning and organisational skills
- Enthusiastic 'can do attitude
- Comfortable identifying and raising issues, particularly where driving good outcomes for customers are concerned
- Good team player, flexible and able to work on own initiative
- Strong interpersonal skills, able to establish effective working relationships at all levels
- Appreciates the importance of accuracy and attention to detail
- Demonstrates a sense of urgency and good work ethic
- Ability to work with competing deadlines and priorities

**Compliance and regulation**

Develop and maintain a full understanding of the Companys compliance requirements (including the Financial Conduct Authoritys Conduct Rules) and act in accordance with the standards, instructions in, and the spirit of those requirements.

Take responsibility for ensuring that personal data within your remit is handled lawfully, fairly, and in line with the companys data protection policies and procedures. Collaborate with the Data Protection Officer to ensure compliance with data protection standards, guidelines, and principles, acting in a manner that upholds these requirements while supporting the DPOs overall oversight responsibilities.

For customer data, ensure it is processed securely and in accordance with data privacy obligations to protect the rights of individuals.

For employee personal data, handle it with strict confidentiality and in compliance with employment and data protection legislation.

Act to deliver good outcomes for our customers and understand how this requirement specifically applies to your role at Blue.

**Additional requirements**
- Permanent / 37.5 hours per week (8.5 hours per day inc. 1 hour unpaid lunch = 7.5 hours per day). Office hours consist of 8am - 8pm shift-based rotas, including some weekends.
- This document is neither contractual nor exhaustive and may be amended to meet the needs of the business. Where possible this will be done in consultation with the job holder.
- From time to time, and within reason, you may be required to carry out tasks that fall outside of your positions remit
- From time to time, and within reason, you may be required to work outside of your standard contracted hours
- As part of your on-going development, you may be required to undertake training in order to meet the requirements of your role.
- Due to our remote location and lack of public transport it is suggested that you are a driver and are able to get to our offices in Sundridge, Sevenoaks.