Junior Underwriter

We’re on the lookout for a motivated and detail-oriented Junior Underwriter to join our growing team. Whether you’re early in your career or looking to build on existing experience, this role offers a great opportunity to learn, develop, and make a real impact.

As a Junior Underwriter, you’ll play an important role in supporting lending decisions and helping us deliver a great experience for our members. Day-to-day, you’ll:

• Help deliver fair, responsible, and consistent lending decisions
• Accurately record and verify all information, ensuring loan documentation and supporting evidence are complete, factual, and compliant with regulatory and internal standards. 
• Prepare comprehensive case files by compiling financial assessments, cross-checking documentation, and highlighting key risks or considerations for final review. 
• Work proactively with the Underwriters to ensure consistency in loan decisioning across the portfolio and to identify improvements to the loan application process.  
• Identify, investigate, and escalate potential indicators of fraud, ensuring robust prevention practices are applied throughout the loan assessment process. 
• Work in partnership with internal teams across the Credit Union to ensure a seamless and positive experience for members throughout the loan journey. 

We’re less about ticking every box and more about finding the right mindset. If you’re someone who:

• Is detail-oriented and naturally curious
• Is organised and able to manage your workload
• Has excellent written and verbal communication skills; excellent eye for detail. 
• Is self-motivated and well organised; able to multi-task and manage own workload; able to work on own initiative and deliver agreed measures. 
• Is analytical; able to think clearly under pressure; able to analyse data and present it clearly; able to prioritise work. 
• Has evidence of numerical ability and is proficient in Microsoft Office. 
• Has a minimum of 2 years’ experience in a lending environment; proven experience in customer service. 
• Has evidence of understanding and ability to communicate in English. 
• Has an understanding of Debt Management Plans and Insolvency. 
• Is ager to learn and develop in a financial services environment

…we’d love to hear from you!

What We're Offering

You don’t need to have any experience in a Credit Union as full training is provided. Hybrid working is available for all employees, with a minimum 3 days at our offices in Birmingham (between 9am and 4:30pm) and the rest from home if you prefer. We offer enhanced leave, an employer-contributed pension scheme and a friendly and relaxed working environment where you will be supported to develop yourself and your career.

Serve and Protect is a great place to work, but don’t take our word for it! We are a Great Place to Work certified company and also earned a place on the Best Workplaces (Small), Best Workplaces for Wellbeing (Small) and Best Workplaces in Financial Services and Insurance (Small & Medium) in 2024.

Why Join Us?

• Be part of an organisation that puts people before profit
• A supportive, collaborative team environment
• Opportunities for professional development and progression
• Competitive salary and benefits package

Ready to Apply?

If you’re ready to take the next step in your career and lead a team that makes a difference every day, we’d love to hear from you.

Job Type: Full-time

Pay: From £26,806 per year

Additional pay:

• Performance bonus

Benefits:

• Additional leave
• Bereavement leave
• Company events
• Company pension
• Enhanced maternity leave
• Enhanced paternity leave
• Sick pay
• Store discount
• Hybrid working