Credit Underwriter

Website DSG

Credit Underwriter – Stockport Cheadle

Salary £25K- £28k (Depending on Experience)

We are looking for a team player who is methodical, patient and process driven with great communication and customer service skills. A high level of attention to detail is required along with a strong knowledge of underwriting and ability to analyse information to work proactively and make informed decisions.

This role requires an awareness of compliance, recognising policies to treat customers fairly and work in line with FCA regulations.

This role is 40 hours per week which does include 2 weekends (1 Sat or Sunday Twice a month) – Day off in the week

What’s in it for you?

  • Private Medical Insurance Policy
  • Westfield Health – includes Doctorline, Togetherall, Health Assured and Westfield Awards
  • Westfield Rewards – Discount scheme
  • Mental Health Champions
  • Nudge Financial Wellbeing System
  • On Site Gym (With access to a personal trainer)
  • Company Suite at the A.O Arena
  • Flexible working days
  • 25 days holiday (plus bank holidays)
  • Pension scheme
  • Life insurance & Bereavement service
  • Wellness programs

Duties and Responsibilities

Assessing and approving loan applications in accordance with agreed credit policy and undertaking affordability assessments

  • Assessing and approving loan applications in accordance with agreed credit policy and undertaking affordability assessments
  • Assessment of vehicle eligibility against agreed policy
  • Reviewing and monitoring automated decisions
  • Adhere to agreed procedures and mandate limits, obtaining additional approvals where necessary
  • Liaising with intermediaries to obtain required documents and supporting information to support the processing of loan applications
  • Ensure SLAs are adhered to through consistent assessment and decisioning of applications
  • Liaise with the Compliance and Financial Crime functions regarding any fraud or money laundering concerns identified during the application or on-boarding process
  • Provide support for applications from enquiry through to completion

You will have

2 years proven expertise in mandated underwriting ideally in motor finance but not essential

  • Understanding and interpretation of credit reference information
  • Analytical and organised
  • Excellent communication skills

We are looking for a team player who is methodical, patient and process driven with great communication and customer service skills. A high level of attention to detail is required along with a strong knowledge of underwriting and ability to analyse information to work proactively and make informed decisions.

This role requires an awareness of compliance, recognising policies to treat customers fairly and work in line with FCA regulations.

Working at DSG

Ask the DSG Family what they love best about working here (and we do!) and there is one response that comes up every time: The People. Our relaxed, professional working environment is based on respect and inclusivity. We make a habit of promoting from within – as seen from the number of senior managers who joined as apprentices.

Our full-spectrum well-being programme doesn’t just provide support in times of need (like our mental health champions, and 24/7 access to GPs and counselors), it extends into coaching, job-crafting and encouraging our people to be the best version of themselves. Our bright and spacious new campus has a range of exercise equipment and all our people have access to lifestyle coaching from a qualified PT.

We actively seek business improvement ideas from our colleagues and reward them when they bear fruit. Alongside our lavish annual awards night, we have a monthly peer recognition programme for colleagues who display our core behaviors: Integrity, Growth, Absolute Excellence and Collaboration.

Colleagues are regularly invited to host corporate guests in our executive box at the A.O Arena where (Covid allowing) there is a fantastic line-up for 2021 / 2022.

If being a good corporate citizen is important to you, we donated £17k to charity last year and have committed to jointly raising £21k in 2021. Through our sustainability partner, Mossy Earth, we are contributing to rewilding and reforestation projects in the UK and abroad. Closer to home, our plastic bottle ban, commitment to recycling and electric car charging points help make our world a better place.

Job Type: Full-time

Salary: £25,000.00-£28,000.00 per year

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