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Senior Manager/Application Prevention/Application Fraud

Reporting to the Head of Portfolio Fraud and Underwriting, the role is to manage the day to day operations of Personal Lending Underwriters to ensure success against all KPIs. Operate within a lending mandate defined by Credit Risk; underwrite high value and complex lending propositions.

To ensure the delivery of high quality training and development within the department to create a centre of excellence

Key Accountabilities include:

Organise and manage resources to ensure all referrals receive timely and thorough consideration;

Deliver a high standard training framework to create an environment where excellence is inevitable;

Provide support and guidance to team on all aspects of lending decisions;

Continually strive to improve the service offered by the Underwriting teams;

Create and maintain excellent working relationships with all key stakeholders;

Pro/actively assist in the development and implementation of the credit risk appetite;

Adhere to all HR policies including performance management;

Provide a high standard of care to our colleagues;

Represent Underwriting to the wider Group in a positive manner;

Maintain and demonstrate awareness of external factors and market conditions which may affect underwriting decision making;

Delivering a high quality, efficient and cost effective service to all customers;

Ensure compliance (where appropriate), with relevant regulation and codes of practice (e.g. Banking Code), FSA regulation including Treating customers fairly;

Identify legal related matters that compromise the business position, liasing with legal to ensure satisfactory outcome;

Maintain accurate, legible and relevant records to provide a clear audit trail and ensure decisions are justifiable, clearly explained and documented;

Operate within risk appetite defined by Credit Risk, with consideration of Financial Crime/FSA regulation (including responsible lending and TCF)/Legal constraints/Reputa;

Responsibility for performance of loans within your mandate;

Deliver robust Quality Control and compliance;

Participate in any first line complaints outcome testing where appropriate.