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About the Role
The Underwriter will be responsible for making lending decisions directly and autonomously, assessing personal loan applications. Their primary goal will be to ensure that we lend responsibly and affordably to our clients. This role offers the opportunity to work in a social business focused on making a difference for individuals who lack access to fair financial services.
Responsibilities
- Make lending decisions and perform underwriting.
- Review financial information and documents against policies and procedures.
- Discuss with clients to understand their financial situation and ensure fair and responsible lending.
- Make recommendations or direct lending decisions based on training and experience.
- Work towards achieving business targets for quantity, quality, and compliance.
- Provide clients with prompt and clear information about their application and support them.
- Ensure all loan decisions are compliant and meet responsible lending criteria.
- Stay updated with changing policies and procedures.
- Perform other duties as required by the Company.
Requirements
- Experience working in a regulated financial services organisation.
- Ability to analyze complex information.
- High attention to detail.
- Demonstrate accountability, diligence, and integrity.
- High level of computer literacy.
- Ability to work across several systems.
- Experience in underwriting, loan administration, or client management is advantageous.
Skills
- Underwriting
- Loan administration
- Client management
- Data analysis
- Attention to detail
- Accountability
- Diligence
- Integrity
- Computer literacy
- System navigation
Location
- Dalston office
- WFH flexibility
Work Type
- Permanent
- Full-time
- Hybrid working
Experience Level
- Experience in a regulated financial services organisation required
- Experience in underwriting, loan administration or client management is advantageous
Benefits
- Additional paid day off for birthday
- WFH allowance
- Private Health Insurance
- Perkbox access
- Employee Assistance Programme (EAP)
- 3% matching contribution towards a stakeholder pension
About the Company
- Fair Finance is a social business with ambitious plans to revolutionise financial services.
- Our vision is to scale our alternative to the high-cost lending market and help reduce financial exclusion across the UK.
- We have helped over a hundred thousand people escape high-cost lenders, start businesses or avoid eviction.
- Our work has influenced Government policy and legislation.
- We demonstrate how purpose and profit can work together to change the financial system.
- We believe in employing, growing and building around exceptional people who share our values.
- We have created an environment where clients are prioritized over profits.
- We offer a supportive workplace with opportunities to thrive.
- We are a diverse organisation balancing business objectives and social mission.
- Our Head Office is in a shared workspace in Dalston.