Underwriter Specialist - Slough

Introduction

Are you an experienced credit professional with a background in underwriting or credit analysis? Do you enjoy making well-informed, commercial decisions while ensuring compliance with policy and regulation?

A fantastic opportunity has arisen for an Underwriting Specialist to join a leading organisation in the auto finance sector. This is a chance to be part of a supportive team where your expertise in assessing customer credit risk will directly influence portfolio quality and customer outcomes.

The Role

As an Underwriting Specialist, you’ll be responsible for making accurate and timely credit decisions on auto finance applications. You’ll review customer information, financial statements, and supporting data to deliver decisions that balance business opportunity with responsible lending.

Day-to-day, you will:

Manually underwrite retail auto finance proposals in line with credit policy and service levels.
Analyse financial statements (income, expenditure, balance sheets, cashflow) to determine repayment capacity.
Review external data such as credit bureau and HPI reports to inform lending decisions.
Manage your workflow effectively using decisioning systems, meeting turnaround targets.
Communicate clearly with dealers and account managers, responding to enquiries and explaining underwriting decisions.
Monitor work queues, escalating backlog risks where necessary.
Contribute to the development of scorecards, risk models, and performance reporting.

This is a varied role, combining technical financial analysis with stakeholder engagement.

About You

We are looking for someone who can bring:

At least 3 years’ experience in underwriting or credit analysis within financial services.
Knowledge of underwriting practices and credit risk assessment techniques.
Strong financial analysis skills – ability to interpret balance sheets, income statements, and cashflow reports.
Experience in auto finance or consumer lending would be advantageous.
Familiarity with scorecard testing and predictive risk modelling.
Excellent written and verbal communication skills, with the ability to explain complex decisions clearly.
Strong organisational skills and high attention to detail.
A proactive, problem-solving mindset and confidence in making decisions.

The Offer

In return, you will receive:

A competitive salary package (based on experience).
Opportunities for ongoing training and professional development.
The chance to work with modern credit decisioning systems in a supportive environment.
Career progression opportunities within a growing sector.

This role provides an exciting opportunity to take ownership of credit decisions, sharpen your analytical expertise, and play a key part in delivering responsible finance solutions.