Job Title: Credit Assurance Specialist
Job Purpose:
To protect the Company from fraud and to provide vital support to the Credit Team, you will be responsible for Broker Reviews, Broker Panel queries, monitoring broker quality via declined and cancelled rates, analysing data and maintaining a relationship with the Sales team.
You will be a point of referral on Broker Panel queries from around the business, considering whether we can include a broker on the panel, why a broker has been removed, and where appropriate, recommending that a broker is removed or reinstated to the panel. You will accurately analyse all intelligence received on brokers to protect the business.
Additionally, you will help to protect the company from the risk of fraud by using our anti-fraud systems such as Hunter, CIFAS, and SIRA to investigate and act upon information received in a timely manner.
Provide a professional, efficient, and high standard of customer service to the rest of the business, Fleets’ customers, intermediaries, valuers, and solicitors.
Key Outputs and Responsibilities:
* Action and maintain all information from lenders on brokers, reporting correctly onto the SIRA system.
* Consider all broker appeals together with any broker panel queries from across the business.
* Develop and maintain cooperative relationships between all internal stakeholders and investigate all referrals in a professional manner.
* Work with Fleets Fraud systems such as CIFAS, SIRA & Hunter to mitigate potential losses.
* Investigate all intelligence and act accordingly.
* Carry out Broker reviews, liaising with sales to arrange visits to the broker before removal and preparing a management report for the Credit Committee.
* Report the removal decision in a professional manner to Broker Support, the Broker, FCA, and other Lenders.
* Prepare Management Reports, ensuring they are ready in time for Exco or Credit Committee meetings.
* Analyse broker data to protect the business.
Qualifications and Experience:
* Current or previous experience of working within the mortgage industry with a strong mortgage underwriting background, preferably with at least 5 years underwriting experience and having currently or previously held a mandate.
* Proven ability to exercise good commercial and professional judgment.
* Effective communication skills both written and verbal.
* Good attention to detail.
* Adaptive to ongoing change.
* PC literate with a knowledge of Microsoft Office products.
* Enthusiastic, flexible, and keen to learn and develop a career.
* Knowledge of Hunter, CIFAS & SIRA systems would be beneficial but not essential.
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