Underwriting Specialist - Slough

Underwriting Specialist - Slough - £35k + £2.6k Car Allowance + Excellent Benefits

Are you ready to take ownership of credit decisions that truly make an impact? This opportunity offers a blend of analytical thinking, autonomy, and responsibility within a fast-moving financial services environment. You will play a central role in assessing risk, supporting business performance, and ensuring high-quality lending decisions.

The Role

You will be responsible for manually underwriting dealer finance proposals, ensuring all decisions align with internal credit policy and risk appetite. By analysing customer financial information and credit data, you will determine affordability and repayment capacity, leading to accurate Accept or Decline outcomes.

Alongside decision-making, you will manage your own workflow using internal systems, ensuring all cases are handled within agreed service levels. You will also engage with dealers and internal stakeholders, responding to queries and supporting smooth case progression.

The role also offers involvement in scorecard testing and risk model improvements, contributing to the ongoing development of the underwriting strategy.

Key Responsibilities

• Underwrite finance proposals in line with credit policy and risk standards

• Analyse financial data, including income, expenditure and repayment capacity

• Review credit reports and supporting information to make informed decisions

• Manage and prioritise your own work queue to meet service level agreements

• Maintain consistent quality and accuracy in all underwriting decisions

• Respond to inbound dealer and stakeholder queries within target timeframes

• Monitor and progress proposals efficiently through to completion

• Escalate any backlog or operational issues when required

• Contribute to scorecard testing and risk model enhancements

• Support performance monitoring and SLA adherence

About You

You are a confident decision maker with strong analytical skills and a keen eye for detail. You are comfortable interpreting financial information and drawing meaningful conclusions that support sound lending decisions.

You will also bring:

• A strong understanding of financial statements such as income, balance sheet and cash flow

• The ability to identify patterns and insights within complex data

• Excellent communication skills with the ability to explain decisions clearly

• Good organisational skills and the ability to manage a busy workload

• A proactive and accountable approach to your work

• Confidence using systems and handling queries in a fast paced environment

The Offer

• Salary of £35k

• £2.6k car allowance

• Excellent benefits package

• Structured and supportive team environment

• Opportunity to influence underwriting decisions and risk strategy

• A role offering real ownership and career progression

If you are looking for a position where your expertise is valued and your decisions drive outcomes, this could be the perfect next step.