1 year ago(12/15/2016 5:37 AM)
UK - 118118 Money


Based in Cardiff, this is an exciting and challenging position for a highly motivated and energetic individual. You must enjoy working in a very fast-paced, highly flexible, dynamic environment. This position will report to the Lending Operations & Underwriting Manager, Financial Services.

The ideal candidate will, ensure all underwriting and fraud prevention decisions are made in accordance with the Lending Policy within agreed mandate levels in an accurate and timely manner, ensuring all new business opportunities are optimised through negotiation and interaction with customers.


  • Underwrite new business applications within mandate levels, ensuring compliance with the lending policy, ensuring all new business opportunities are optimised through negotiation and interaction with customers.
  • Carry out full risk assessments and making lending decisions in line with TCF principles, wider economic factors, lending guidelines and the company's strategies. 
  • Provide colleagues and customers with a professional and efficient service in an enthusiastic and knowledgeable manner at all times.
  • Make underwriting recommendations to higher mandate holders where mandate level is exceeded. Liaise and assist other team members regarding underwriting recommendations and decisions when required.
  • Maintain a comprehensive and up-to-date knowledge of Consumer Finance products and services proactively promoting them at all times.
  • Ensure all referred proposals have relevant procedural checks as highlighted, both system and manual as necessary e.g. Credit Reference Bureau, CIFAS, employment confirmation etc are utilized ensuring that all information and documentation is accurate.
  • Ensure individual productivity records are maintained in an accurate and timely manner.
  • Maintain an up-to-date knowledge of regulatory and legislative information related to Consumer Finance products and services (e.g. Money Laundering, Data Protection, etc.).
  • Maintain knowledge and understanding of all relevant policies and procedures, being compliant at all times.
  • Pro-actively contact customers for additional information or clarification to meet lending conditions in a timely manner
  • Review and verify documentation received to support loan approvals for completion and accuracy
  • Deliver a high level of customer service and represent the brand appropriately at first point of contact.
  • Maximize conversion rates through building a rapport and objection handling.
  • Provide assistance to all our customers regarding their application status.
  • Provide accurate information on products and services to ensure consistency across the organisation and provide both a reliable and trustworthy customer service.
  • Prepare post-payout customer packs promptly to complete the application journey
  • Promote the lending business, its products and services, to build the highest and best reputation with its customers.

Undertake any other reasonable tasks as requested by Management.


  • An in-depth knowledge of consumer lending is required
  • Previous experience within an FSA/FCA regulated environment is desirable
  • Excellent attention to detail and communication skills
  • Flexibility, enthusiasm and a strong team player
  • Analytical and critical reasoning skills
  • Computer literacy including MS Office

Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete a standard level CRB, credit and identity check.


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