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Universal Underwriter

This role will be hybrid working and can be based in Sheffield, Leeds, Birmingham or Chester

We are looking for colleagues to join our Underwriting Department. Successful candidates will have excellent customer service skills as well as an enthusiasm and passion for doing the right thing for our customers whilst still balancing our Responsible Lending ethos.

The role is to assess the current financial circumstances of our customers who are applying for a lending facility and to provide well-reasoned credit lending decisions.

As part of the role you will provide credit assessments and recommendations whilst minimising the credit, fraud, regulatory and conduct risks. The role will also require you to provide constructive feedback to all advisors in our Distribution channels including the intermediary market. At all times you will treat our customers fairly, making this a driving factor in everything you do, whilst also managing and developing yourself to ensure that all standards, disciplines and internal controls are adhered to.

Role holders will carry out activities that will include the following:

• Assessing the current financial circumstances of our customers who are applying for a lending facility.
• Provide well-reasoned credit lending decisions.
• Use multiple types of lending which may include the need to understand nuances of different brands, systems and/or processes.
• Provide credit assessments and recommendations for a variety of new and existing lending requests whilst minimising any credit risks, fraud, regulatory and conduct risks.
• Have regular contact with customers and colleagues, on the telephones and in writing and must be able to communicate professionally in English.
• Resolve complaints and more complex underwriting scenarios.

The ideal candidate for this role will have the below experience and qualifications:

Essential:

Desirable:

You should have the flexibility to work within the hours of Monday to Friday 8am-6.30pm and Saturday 9am-5.30pm working 35 hours per week.

This is a hybrid role with an expectation to go into the office a minimum of once a month, this can be based out of Chester, Leeds, Sheffield or Birmingham. You can also opt to work in the office 100% of the time.

You’ll achieve more when you join HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

HSBC is committed to being an inclusive employer and providing an inclusive and accessible recruitment process for all. We will provide reasonable adjustments to remove any disadvantage to you being considered for this role. We are proud members of the Disability Confident Scheme, and will offer an interview to disabled candidates who meet the minimum criteria for the role. If you would like to receive any information in a different way or would like us to do anything differently to help you apply for our roles, please contact our Recruitment Helpdesk:

Email: [email protected]

Telephone: +44 2078328500

Within the workplace you will have access to various employee resource groups which aim to promote and achieve a healthy work / life balance and support our diversity ambitions. HSBC has processes in place to avoid nepotism. This means we will avoid circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.