Credit Underwriter

InterQuest are supporting an International bank who are looking for a Credit Underwriter to join their team. You'll be responsible for reviewing retail loan and savings applications in line with internal policies and regulatory guidelines. You'll assess creditworthiness using a range of data sources, including credit bureau reports, income verification documents, and affordability assessments. Your insights will directly contribute to maintaining a strong risk framework while enhancing the overall customer experience.

Key Responsibilities:

• Assess loan and savings applications within the company’s risk appetite and regulatory framework
• Analyse supporting documents such as bank statements, ID, income verification, and credit reports
• Make balanced, well-informed underwriting decisions using both internal systems and external tools (e.g., CIFAS, AML databases)
• Identify potential fraud and ensure compliance with all relevant financial crime and FCA regulations
• Communicate effectively with customers and retail partners throughout the onboarding process
• Participate in continuous improvement initiatives, helping to refine underwriting processes and policies
• Work cross-functionally with teams in Risk, Product, and Customer Service to deliver efficient outcomes
• Provide evening and weekend cover as part of a flexible workweek

Essential Skills

• Experience of Credit Underwriting within a retail lending environment.
• Background in an FCA-regulated environment
• Strong analytical skills and attention to detail
• Excellent communication skills, both written and verbal

*This role is only available to candidates who can start immediately