Underwriting Manager

Recruiter
CLC Car Sales Ltd
Location
Wickford, UK
Salary
Competitive
Posted
09 Sep 2019
Closes
28 Oct 2019
Ref
1256693743
Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
We are a unique finance company providing specialist lending services in the vehicle sector. This role offers the right candidate the opportunity to work for a progressive and forward-thinking specialist lender that is experiencing good growth and success.

We are recruiting an experienced Underwriting Manager to lead an expanding team of Underwriters, processing secured lending products. This will include allocation of work, completion of quality assurance activity and motivation and monitoring of a team of Underwriters.

Working as an Underwriting Manager, you will have previous underwriting experience, credit or lending exposure within personal finance, with a strong understanding of a regulatory environment. You will also have experience in managing and prioritising work for a team of people, along with an eye for detail in order to complete tasks to a high standard.

Responsibilities

·Make lending decisions in line with credit risk policy and individual mandate level

·Take responsibility and manage cases from point of application to completion

·Assess customers' background, credit report and financial status, including an affordability assessment

·Undertaking due diligence on all clients

·Work alongside the Customer Services Director to provide internal training, coaching and monitoring of team members

·Ensure that applications are processed within set service standards and in line with key performance indicators

·Completing staff performance monitoring and objective reviews

·Conduct regular first line quality checks and feedback results

·Adhere to internal underwriting policy and regulatory requirements, FCA guidelines, Money Laundering, prevention of Financial Crime, data protection etc.

·Identify opportunities and proactively make recommendations for continuous improvement

·Conduct regular reports on the Underwriting department and feedback to the Board of Directors

·Ensuring the Company's compliance policies e.g. AML/data protection etc., are adhered to and any issues are reported to the Compliance Officer;

Experience

·Current manual underwriting experience within personal lending

·Good knowledge of the lending sector

·Ability to interpret credit reports from all major agencies;

·Good knowledge of industry regulation including FCA guidelines, Treating Customers Fairly and Responsible Lending

·Management experience

·Data analysis and reporting

Key Skills

·Excellent communication skills both written and verbal

·Good time management skills

·Ability to work in a fast-paced environment and well under pressure

·PC Literate with Microsoft Office (especially Microsoft Excel)

·High attention to detail

·Ability to work as part of a team as well as independently

Salary: up to £30,000pa

Hours: Monday - Friday 9am - 5pm and alternative Saturdays 9am - 5pm

We are a fast-growing company with customer focus at our centre. If you are looking for a professional role within personal finance without the commute to London working with a great team, then please apply below.

Candidates require a clear credit check and full DBS.

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