Underwriter

The opportunityWe have an opportunity for a talented Underwriter to join us on the exciting and rewarding path we are taking here at Castle Trust Bank. Having become a fully authorised bank in 2020, we pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers. Proud winners of the ‘Best Place to Work’ award at the Hampshire Business Awards 2023!Our retail finance division, Omni Capital, partners with retailers nationwide to provide their customers with innovative credit solutions, using state-of-the-art technology that allow them to spread the cost of their purchases. We’re on the lookout for new talent to join Omni to help continue to drive our thriving business forward.We offer finance in-store or online with credit decisions provided within seconds, and as an Underwriter you will be responsible for processing credit and fraud referrals from point-of-sale customers. Providing support to the Omni Operations team, you will play an important role in evaluating the accuracy and authenticity of loan applications, validating identify and assessing affordability to fulfil the obligations of the credit agreement applied for and ensuring that credit applications are decisioned in an accurate and timely manner, making full use of all systems and processes available.You’ll work alongside a fun, creative and energetic team of people who all work together to ensure our 5 company values of Customers First, Forward Thinking, Professional Pride, Achieve Together, and Open & Transparent are at the heart of everything we do. The role is based at our Basingstoke office which is home to the Omni Operations Team. It has great access to the M3 and the mainline railway station, and just 45 minutes from London. This is a full-time opportunity (37.5 hours per week), covering the following hours: 9am to 8pm Monday to Friday, 9am to 6pm Saturday, 10am to 4pm on Sundays. Hybrid working is available. Let’s talk flexibility…We fully appreciate the importance of work/life balance, and that everyone has a set of unique circumstances. Whilst this role is advertised as full time, if you are looking for a different working arrangement (such as part time, alternative working hours), please continue to apply and we will discuss this with you during the application process.What we are looking for in you…What is important to us is that you have proven underwriting experience (this could be from an insurance, mortgage or consumer credit setting) with strong credit assessment capability with the ability to review credit searches, fraud indicators and bank statements to make informed lending decisions. Considering the nature of the role, you should have a good awareness of the consumer credit act and FCA regulation. In addition, you should be inquisitive and analytical with the ability to pay meticulous attention to detail, with excellent communication skills and the ability to make sound, risk-based lending decisions in what will be a busy and pressurised environment. Considering the nature of this role, you will need to be comfortable working to targets whilst at the same time being thorough and methodical in your approach.What’s in it for you…As well as a competitive salary, we offer an annual performance related bonus based on individual and company performance. In addition, a generous contributory pension scheme through Hargreaves Lansdown, life assurance, 25 days annual leave (plus bank holidays on top) with the option to buy/sell up to 5 additional days (terms apply). In addition, you will receive an extra day paid annual leave for Volunteering.Wellbeing is also high on our agenda, and we offer healthcare benefits through Equipsme. In addition, all colleagues have free access to TELUS Health EAP to support their health and wellbeing. We also offer free eye test vouchers and discounted gym membership, and if that’s not enough, we also offer season ticket travel loans (if applicable).Caught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank – The Place To Work! Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact #####
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