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Al Rayan Bank
,
Birmingham, West Midlands
Credit Underwriter
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Job Type: Full-time |
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Salary: £30,000 per annum |
Overview
Permanent and Contract Opportunities Available Al Rayan Bank is a growing, ethical and incredibly diverse bank based in new offices in the leafy suburb of Edgbaston, a stone's throw away from central Birmingham. As part of the Masraf Al Rayan Group which is the 2nd largest bank in Qatar, we've got exciting growth plans and aim to deliver a professional, first class service to our customers. We are on the lookout for a Credit Underwriter. Our Underwriter will sit within the Credit Operations team reviewing and analysing applicant’s financial information and property appraisals, making credit decisions on Home Purchase Plan application requests in line with the Bank’s Credit & Finance policy. They will work within the agreed service levels and departmental standards, proactively engaging with Customers and Sales teams, to ensure that the appropriate documentary evidence is received and recorded to be able to make a prudent decision. Key Accountabilities will include: Evaluate Home Purchase Plan applications using policy, experience and own initiative in your decision making, within the Bank’s risk appetite. Document full rationale of the either an approve or decline decision and request further information when required from the Sales team or Customers to be able to form a decision. Review the customer application and analyse the accuracy and value of the applicant’s financial information and property appraisal to make a credit decision in line with approved levels of authority. Record and maintain all contact and full audit trail into the sales management system to ensure they are entered correctly and updated on where appropriate. Interpret basic financial data in accounts with an understanding of profit and loss accounts, balance sheets and cash flows for Small and Medium Enterprises (SMEs). Provide feedback and knowledge-based coaching as appropriate to colleagues within the wider business Work with other departments within the Bank to facilitate the progress of applications. Provide exceptional customer service in line with the bank’s brand behaviours. Handle queries / complaints / issues emanating from other departments or customers. Continuously identify and suggest process improvements. Attend and participate in projects, representing the team and providing constructive input and feedback where required. Deal with appeals/exceptions and escalate where appropriate to the Head of Credit Risk, for final consideration Assist and support the Customer Care department in investigations where customers have expressed a dissatisfaction with service from the Credit team Operate in Compliance with the Bank’s policies, FCA regulations, and UK legal framework, Bank’s T&C, compliance regime and Sharia principles This is a fantastic opportunity to join our growing bank where we can offer exceptional opportunities for you to make your mark and progress your career in a diverse, ethical bank that you can actually believe in. Empowering your development, we will deliver ethical banking together.