Reporting directly to the Credit Assessment Section Manager, you will be working in a small but highly motivated team of Credit Assessment Specialists. As a specialist in Credit Assessment, you will work with a high degree of accuracy, expertise, and due regard to responsible lending requirements. You will be completing a full review of circa 100 applications per day, managing the volumes that are received by the New Business Department alongside your colleagues. Each review will culminate in a decision or recommendation that will need to be backed-up with a thorough rationale and evidence.
Working with our fraud tools, you will be recognising key indicators of potential fraud and financial crime and then investigating them further to identify any risks. Where necessary, AML Suspicions and CIFAS forms will be raised.
The working hours are 35 hours 9-5 or 10-6 Monday to Friday with 1 in 4 Saturdays. A day in lieu for the Saturday will be provided the following week.
Responsibilities:
1. Using a Scorecard grade-based system, in conjunction with credit reference and fraud data, assess applications for finance. Circa 100 cases per day, for balances more than 40K.
2. Use good attention to detail to ensure your decisions meet the lending criteria, and good judgment to recommend going outside those criteria, when appropriate.
3. Review customer open banking data in order to ensure they can afford the proposed monthly commitment.
4. F...