Job Description
An exciting new opportunity has become available to join the New Business underwriting team where you are responsible for processes applications for Motor Dealers, and Brokers (our introducers). We only deal with appointed introducers, and do not deal direct with the end user.
Reporting to the Underwriting team leader, this position would be to assess and evaluate customer credit risk through in-depth analysis, making decisions within personal delegated authority. Ensuring appropriately high standards of credit and risk management are maintained in adherence to regulatory and internal business requirements.
What you'll be doing
Review and approve/decline credit proposals within individual approved credit authority
Assess and evaluate customer credit risk through in-depth business and financial analysis
Document and communicate credit decisions in a clear and effective manner within set timelines
Potential for site visits where appropriate
Interface with internal & external stakeholders to resolve credit related issues
To provide assistance and advice and where necessary, negotiate on deal structuring with a view to maximising the commercial opportunity without compromising credit quality standards
Be acutely familiar with the credit portfolio
To adhere to SCUK Credit Policy
Deal with or escalate any identified risks in relation to Santander Consumer risk policies and/or legislative and regulatory guidelines in accordance with the Santander UK group risk framework
Acts to develop customer relationships and seeks to exceed client's expectations
Handle telephone queries from supporting dealers and internal sales staff
Candidate Description
Knowledge of risk policy, systems and controls is desirable
A high level of accuracy and attention to detail
A commercial outlook when considering proposals using strong influencing and negotiation skills
In-depth understanding of the security against which we are being asked to provide funding utilising and interpreting the requirements as set by Retail Risk, Conduct Risk and Operational Risk is desirable.
Ability to build strong, meaningful business relationships
Ability to structure a proposal into a deal acceptable to all parties in a decisive and inquisitive manner
Ability to work under pressure and to tight deadlines
Ability to analyse & report on Financials using strong analytical and numerical skills is desirable
Strong interpersonal and communication skills, both verbal and in writing
Highly numerate
Appropriate level of tertiary education
Sound time management
Understanding the treating customers fairly principles
Application Description
If you are interested in this role and believe you have the skills, experience, and knowledge then we'd love to hear from you. Please go ahead and click apply which will take you through some questions and allow you to submit your CV and covering letter. If you have any questions, please don't hesitate to ask us at: recruitment@santanderconsumer.co.uk