We know that our people are our biggest investment and finding the right people who will put our customers first and provide world class service is a tough job which is why, when we find talented people, we want to develop them and enable them to grow a career with us, not just fill a seat in a contact centre. What you will do As an Underwriter You will be responsible for assessing retail credit applications from customers, making an informed decision whether to lend. The Underwriting teams are expected to make accurate and prompt decisions, with support from various systems such as credit reference agencies, fraud detection and affordability tools available. These decisions are to be made in accordance with the companies lending policies, you will also identify potential fraudulent applications, liaising with other departments to investigate the situation. We offer Flexible hours, 35 per week within the following hours of business on a Hybrid basis: Monday - Friday 8.00am -8.00pm, Saturday 8.00am - 6.00pm, Sunday 10am-5pm Including Bank Holidays. What you will bring Ideally we are looking for Financial industry knowledge An understanding of a credit underwriting environment Experience in credit decision systems i.e. Experian, Equifax and Call Credit A general understanding of the regulatory framework that applies to lending operations Skills that will help you in the role: Strong communication skills, verbal and written Good organisational skills, ability to plan and prioritise workload effectively Ability to work under pressure to tight deadlines Customer focused, able to deliver exceptional customer services Ability to clearly and concisely articulate the justification and rationale used to make responsible lending decisions in order to maximise service excellence How you will be rewarded Along with a competitive base salary you will receive Annual bonus scheme Matched pension contributions Group Life Assurance 25 days annual leave plus bank holidays and your birthday off, on us A wide range of flexible benefits from Cycle2Work to private healthcare Free fruit and hot drinks throughout the day Paid volunteering days and matched charity fundraising Free parking At V12 Retail Finance you will not be a small cog in a big wheel, you will have the autonomy to use your skills and experience to drive our business forward and have a tangible effect on our success. In return you will receive a competitive salary package, inclusion in the company bonus scheme, share save scheme and a suite of flexible benefits and discounts that you can opt into to suit your lifestyle, from gym membership to private medical cover. As a business we celebrate achievement and have a range of generous recognition schemes that reward both individual and team successes. We also offer free fruit, hot & cold drinks throughout the day and dedicated breakout areas. We offer excellent in house training and development schemes and a range of external qualifications to enable your progression and career development. Every single member of our team has a personal development plan to help them achieve their goals, whatever their career ambitions. Everyone is different. Everyone is valued We're building one of the best banks in Britain. It's what we've been doing since 1952 and in that time, we've learned that we're more than the sum of our parts. We're a strong Group because of our people. And all our people are different. Every one of our employees brings unique talent, ability and perspective to their role. That's why Secure Trust Bank Group nurtures differences. We understand that we perform better because we're not cast from the same mould. We actively embrace and celebrate diversity, work with leading industry bodies and support initiatives that reinforce our philosophy of giving you the freedom to be who you are. We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference. ADZN1_UKTJ