Deloitte - Recruitment
Universal Underwriter (Operations)
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Role: Universal Underwriter (Operations) | Leeds or Sheffield | Hybrid
Location: Leeds
Start Date: ASAP
End Date: 6 Months (initially)
Daily Rate: Competitive (Inside IR35)
Are you ready for your next career challenge? Are you an experienced Underwriter or Credit professional looking to take your career in a new direction?
We’re looking for a Universal Underwriter (Operations) to join a leading UK financial services organisation, supporting its retail banking customers and playing a key role in responsible lending decisions.
This is an excellent opportunity to use your existing underwriting and credit experience while developing your skills across a broader range of products, customers, and business areas.
The role
As a Universal Underwriter, you’ll be responsible for assessing customers’ financial circumstances when they apply for lending facilities and making well-reasoned, responsible, and evidence-based credit decisions.
You’ll also work closely with colleagues across the business to improve the customer journey, manage risk, and ensure customers receive appropriate outcomes.
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Key responsibilities include:
- Assessing customer financial circumstances and lending applications
- Making responsible credit and lending decisions in line with agreed lending standards
- Identifying potential fraud and helping minimize losses and bad debt
- Ensuring all policies, procedures, and internal controls are followed
- Providing guidance and feedback to related business areas
- Supporting continuous improvement across the customer journey
- Reviewing policies and procedures and making evidence-based recommendations for change
- Working towards customer satisfaction, revenue, and cost-containment objectives
- Ensuring relevant regulatory requirements are understood and applied
- Contributing to strong team performance and positive customer outcomes
What we’re looking for
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We’re keen to hear from candidates with experience in underwriting, credit assessment, lending operations, or a related financial services environment. You’ll ideally have:
- Experience assessing lending applications and making credit decisions
- A good understanding of responsible lending and credit risk principles
- Experience identifying fraud, risk, and potential financial losses
- Knowledge of relevant regulatory requirements
- Strong analytical and decision-making skills
- Excellent attention to detail
- A customer-focused approach
- The confidence to challenge processes and identify opportunities for improvement
- Strong communication and stakeholder management skills
- An understanding of the wider UK financial services and retail banking environment
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