Customer: 01244 200 746

Business Partner: 01244 200 766


Customer: 01244 200 746

Introducer: 01244 200 566

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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


  • 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.

Apply now:

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