Job Title

InterQuest are supporting an International bank who are looking for a Credit Underwriter to join their team. You'll be responsible for reviewing retail loan and savings applications in line with internal policies and regulatory guidelines. You'll assess creditworthiness using a range of data sources, including credit bureau reports, income verification documents, and affordability assessments. Your insights will directly contribute to maintaining a strong risk framework while enhancing the overall customer experience.Qualifications, skills, and all relevant experience needed for this role can be found in the full description below.Key Responsibilities:Assess loan and savings applications within the companys risk appetite and regulatory frameworkAnalyse supporting documents such as bank statements, ID, income verification, and credit reportsMake balanced, well-informed underwriting decisions using both internal systems and external tools (e.g., CIFAS, AML databases)Identify potential fraud and ensure compliance with all relevant financial crime and FCA regulationsCommunicate effectively with customers and retail partners throughout the onboarding processParticipate in continuous improvement initiatives, helping to refine underwriting processes and policiesWork cross-functionally with teams in Risk, Product, and Customer Service to deliver efficient outcomesProvide evening and weekend cover as part of a flexible workweekEssential SkillsExperience of Credit Underwriting within a retail lending environment. Background in an FCA-regulated environmentStrong analytical skills and attention to detailExcellent communication skills, both written and verbal This role is only available to candidates who can start immediately