Underwriter (Home Improvement Loans)

Job Title: Underwriter (Home Improvements Lending)
Working Pattern: Given the requirements for this role, we are unable to consider any fully remote working requests. 36.25 hours per week, operating between the hours of 8am - 8pm. This will involve early, late and split shifts on a rotating basis. Weekend work will typically be required one in every four weekends, however this may change due to business needs.
Salary: up to28,000 dependent on experience and up to 20% bonus and benefits
Location: Cardiff - Office based

At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated individual, ready to make an impact, we've got a space with your name on it!

The main purpose of the role is to 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, and 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. You will support Underwriters by processing applications and speaking with our customers over the phone.

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.

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 on 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

• Identify situations that may require specialist handling (e.g. Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place
• complaints, vulnerability, fraud) and refer these where appropriate
• 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
• 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

Wed love to hear from you if you have:

• Minimum evidenced 3 years minimum Underwriting experience
• Previous experience within UK based financial services (with relevant regulatory appreciation) is desirable
• Based in the UK, within a commutable distance to Cardiff
• A working and demonstrative knowledge of practical experience of administrative tasks and call handling is required
• Demonstrable knowledge of FCA rules delivering fair outcomes to customers, CCA and GDPR regulations
• Demonstrable knowledge of how own performance affects wider Company objectives

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, the below is based on full time and may be pro-rated for part time workers:

• 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

Ready to make your mark?

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

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.

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