Underwriter

Job Title: Underwriter (Home Improvements Lending) Working Pattern: Monday to Friday, 36.25 hours per week Salary: 25,000 - 27,000 and up to 20% bonus and benefits Location: Cardiff (hybrid working)
At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Underwriter, ready to make an impact, we've got a space with your name on it!
The main purpose of the role is support the Underwriting Manager to achieve departmental service levels whilst upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA CONC rules, delivering fair customer outcomes TCF, FCA, CCA, DPA).
This is a key role in ensuring that the fair treatment of customers is embedded within the Underwriting team whilst ensuring that fair customer outcomes are consistently delivered.
We are Tandem - Where impact meets innovation
Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share all while nurturing our planet, our people and our customers. As one of Europes fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.
Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends.
Your team: Collaborators in change
Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. Your Impact: Building a greener tomorrow
As an Underwriter at Tandem your focus will be on:

Reviewing and assessing all new finance applications received, to an expected and timely deadline
and to within agreed mandate
Ensure that applications are worked compliantly and efficiently to company policies
Review applications with an analytical eye to ensure every customer is treated as an individual
Ensure that Individual, Department and Company set KPI targets are achieved
Attend and implement all training and coaching to ensure full compliance to policies and
procedures
To work any additional tasks as set out by the Senior Underwriter/Manager
To ensure company policy regarding behaviours and conduct is always adhered to
Ability to adapt to potential shift changes based on business demands
Proactively manage all underwriting-related inbound communication (via telephone,
correspondence, email, portal) from customers and third parties
requirements (including but not limited to annual statements and redemption quotations)
Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and
refer these where appropriate
Knowledge and practical application of handling customer complaints, to include identifying
complaints, logging and investigating with an aim to putting a resolution in place
Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration
Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers
Attain and maintain own competence to Training and Competence Scheme demonstrated by ongoing adherence
Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control
Keep up to date with all Company/regulatory changes particularly those which affect own business area
Ensure best practice and compliance is adhered to at all times
Actively contribute to the achievement of the Underwriting and Company objectives and demonstrating Company values in everything you do
Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes, Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.
Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

Demonstrable knowledge of FCA rules delivering fair outcomes to customers, CCA and GDPR regulations
A working and knowledge and practical experience of underwriting applications for unsecured loans
Sound knowledge of Allium Lending Groups products and services, lending criteria (underwriting) and operational procedures
Previous experience in financial services (with relevant regulatory appreciation) with
demonstrable success in Underwriting within a regulated lending environment minimum 1 year
Demonstrable experience of identifying potential fraud
Demonstrable experience of Underwriting for loans with knowledge of how own performance affects wider Company objectives

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Sourcing Model

Rewards that reflect your value, whats in it for you? At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us:

25 days annual leave plus 8 days Bank Holiday
An additional day off for a celebration day including, but not limited to, birthdays, weddings, religious holidays, graduations etc
Buy or sell up to 5 days holiday a year
Healthcare cash plan through Westfield Health worth a minimum of 750 per year
Electric Vehicle salary sacrifice scheme
Cycle to Work salary sacrifice scheme and a free helmet
Salary sacrifice Pension contribution

• , 4% employee contributions matched with 4% Tandem contribution (Subject to salary eligibility)

Smart Tech scheme (buy goods with 0% interest)
10% discount on solar panels
Tandem Hub for treats, cash back and discounts on UK retailers
2 days per year paid volunteering
Free cereal, snacks and drinks in all offices
Quarterly team social budgets

Our Green Deal: Your Impact Amplified
A little welcome gift from us to you, well plant a tree in the Tandem Grove and you can enter into our Green Deal below:

Volunteer 2 days a year for charity > receive an early Friday finish
Raise 200 per annum for charity > Tandem provide PR and marketing support
Have renewable energy at home > receive an additional 1 day annual leave
Drive an electric car > receive 500 towards a home charger