Customer: 01244 200 746

Business Partner: 01244 200 766

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Customer: 01244 200 746

Introducer: 01244 200 566

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Underwriter

Kingsfield Court, Chester, CH4 9RF, UK
Full-Time and Part-Time roles available
Department: Underwriting
Salary: £20,000-£22,000 (Pro-Rata for Part-Time)

Job Description:

  • To underwrite non-prime motor finance credit applications, from broker introduced business

Key Responsibilities:

  • Assess the credit worthiness of individual applications with a view to sanctioning a credit limit approval
  • Adherence to prescribed underwriting criteria and policy rules is required as part of the underwriting process, including the correct implementation of the Underwriting Pyramid
  • Demonstrate responsible lending through underwriting decisions
  • Identify and refer any potential fraudulent applications to the Fraud Department
  • Report Money Laundering suspicions to the MLRO and FCI Team
  • Validating customer proof of address and income provided either at payout stage or pre-payout
  • Ensure customer income information is consistent with application details, investigating any discrepancies
  • Identify and respond appropriately to applicants if they appear to be “vulnerable customers”
  • Providing support and advice to the Sales Team and introducers regarding customer applications and underwriting conditions as necessary
  • Deliver exceptional customer service
  • Ensure the principles of Treating Customers Fairly are adhered to
  • Undertake other tasks from time-to-time to support the Payouts Department as required
  • Provide assistance to the Underwriting Team Leader and the Credit Risk Operations Manager as required
  • Demonstrate the company Vision and Values

Skills:

  • Knowledge and understanding of non-prime consumer credit
  • Understanding of regulatory guidelines in practice including the Consumer Credit Directive (CCD), Irresponsible Lending Guidelines (ILG), Data Protection Act (DPA), GDPR, Vulnerable Customers and Money Laundering (AML)
  • Knowledge of the TFC Group business including the customer journey and all related processes
  • Working knowledge of Experian, Call Credit (ShareReport, Call validate & the Affordability Report)
  • Working knowledge of company systems including BOS, Pan Credit and Traffic

Additional Information:

We will keep your CV on our records for 12 months after your application. We carry out credit checks and DBS checks as part of the recruitment process for all roles.

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