Credit Scored Lending Underwriter

Your role

What you'll be doing

Corpay^ is currently looking to hire a Credit Scored Lending Underwriter within our Risk and Underwriting division. This position falls under our Corpay^ line of business based in Ipswich, UK.

How We Work

As a Credit Scored Lending Underwriter, you will be expected to work in a hybrid environment, 3 days in the office.

Role Responsibilities

As the Credit Scored Lending Underwriter, your primary responsibilities are to manage the daily workflow for yourself and a small team of underwriters and to assess new customer applications using bespoke credit scoring models. You will play an important role in evaluating creditworthiness, determining risk levels, and making decisions that align with lending policies. This position requires a strong understanding of credit scoring, attention to detail, effective communication skills and the ability to work to a challenging service level agreement.

Credit Scoring Analysis:

Utilize credit scoring models to evaluate new applications.

Have a working knowledge of financial data and other information required to make sound decisions for new applications.

Ensure all required documentation is complete, accurate, and meets compliance standards.

Collaborate with other departments to gather additional information when needed.

Decision Making:

Apply established lending policies and guidelines to approve or decline account applications.

Adhere to internal compliance standards in the lending process.

Collaborate with senior lending specialists on complex cases and exceptions.

Internal Customer Interaction :

Communicate credit decisions to customer facing colleagues, providing clear explanations and guidance.

Assist customer facing colleagues in understanding factors influencing credit decisions and steps for improvement if necessary.

Qualifications & Skills

Previous experience in lending, credit analysis, or a related field.

Good understanding of credit scoring models and their application.

Excellent analytical skills with attention to detail.

Additional Requirements:

Effective communication skills, both written and verbal.

Ability to work collaboratively in a team-oriented environment.

Proficiency in using lending software and credit analysis tools.

Benefits & Perks

4 X Life insurance

Pension scheme 5% employer contribution

Private Healthcare

25 days Holiday (plus Holiday Buy/Sell)

Access to benefits portal

Access to LinkedIn learning

#INDINT

#LI-SI1

About Corpay

Corpay is a global technology organisation that is leading the future of commercial payments with a culture of innovation that drives us to constantly create new and better ways to pay. Our specialized payment solutions help businesses control, simplify, and secure payment for fuel, general payables, toll and lodging expenses. Millions of people in over 80 countries around the world use our solutions for their payments.

All offers of employment made by Corpay (and its subsidiary companies) are subject to the successful completion of satisfactory pre-employment vetting by an independent supplier (Experian). This is in accordance with Corpay's Resourcing Policy and include employment referencing, identity, adverse financial, criminal and sanctions list checks. We do this to meet our legal and regulatory requirements.

Corpay is dedicated to encouraging a supportive and inclusive culture among our employees. It is within our best interest to promote diversity and eliminate discrimination in the workplace. We seek to ensure that all employees and job applicants are given equal opportunities.

Notice to Agency and Search Firm Representatives:  Corpay will not accept unsolicited CV's from agencies and/or search firms for this job posting. Resumes submitted to any Corpay employee by a third party agency and/or search firm without a valid written & signed search agreement, will become the sole property of Corpay. No fee will be paid if a candidate is hired for this position as a result of an unsolicited agency or search firm referral. Thank you.