Credit Decisions Analyst / Underwriter, Jobs, 6115

Credit Decisions Analyst / Underwriter

Do you want to move away from non-standard underwriting? 

How about working in a quirky modern office working environment where your employer welcomes fresh ideas and innovation?

Interested in offering underwriting/finance packages to customers with less strings and more flexibility?

With full-time positions available, you will be joining a modern office in Glasgow where your client base lists over 100 of the top businesses operating within the finance sector.

If you are looking for a working environment, where you can function with less restrictions and offer adaptable solutions, where you have the final decision on whether your client is approved or declined for the credit facility, we should chat.

Do you fit the role?

  • You must have a minimum of 12 months underwriting experience, ideally gained in a fast paced, high volume environment, ideally working with brokers and intermediaries.
  • Strong communication, negotiation and interpersonal skills.
  • Knowledge of IT packages including Word and Excel.
  • Enjoy working to targets.
  • Awareness and understanding of prevailing regulatory and compliance requirements, to include, the Consumer Credit Act (CCA), the Consumer Credit Directive (CCD), DPA and TCF 
  • The ability to interpret both personal and business credit reference report


What does an average day look like?

  • To ensure all underwriting decisions are made in accordance with the Company Risk Management policy within the agreed mandate levels in an accurate and timely manner.


  • Operating within near prime market segment:
  • Near Prime:  Customer with some form of light prior adverse credit history with less stability
  • and an indication of indebtedness.


  • Abide by Companies Risk Management Policies and Scorecard, ensuring best practice principles are applied within the daily routine of the role, ensuring an excellent service.


  • Develop, plan, organise, coordinate and participate in the company activities in order to ensure growth, revenues and profit are balanced with sound risk management and best practice procedures.


  • Develop and manage their risk management policies and scorecard, which are serviced by a highly skilled and motivated team.
  • Engaging with customers and assessing if they are eligible for credit
  • Carrying out detailed Risk Management reports for each client case
  • Working within a team, you will be responsible for handling around 50 new business applications per day.
  • Providing a professional service to introducers, brokers and group clients, delivering on SLA’s, answering queries and building strong relationships.
  • Chasing for information to complete applications.
  • Identify fraudulent applications.
  • Assessing and making decision on applications.
  • Underwriting prime, sub-prime and near prime business.
  • Keeping update and complaint records and diary management.
  • Checking confidential data and documents
  • Accepting, declining or finding solutions in accordance with credit history

How will you be rewarded?

As well as working in a company where personal development is encouraged, you will be offered a great benefits package including a salary to £25,000, pension, PMI, bonus, gym membership, 25 days holidays, etc.

Office opening hours:


Monday to Friday:   8am – 8pm

Saturday: 9am – 6pm

Sunday: 9am – 6pm

Flexibility is required to cover the opening hours on a rota basis


For more information or a confidential chat, please call me on 0141 353 8376 or email your CV to


HRC Recruitment is an equal opportunities employer and all applications will be treated as such

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8th Floor,
180 Saint Vincent Street, G2 5SG
0141 353 1133

13 Atholl Place,
0131 357 5333

2nd Floor, Suite 4,
Marketgait Business Centre, DD1 1NJ
01382 768 700