JPMorgan Underwriting Analyst 

United Kingdom, Scotland 

960461636

Job responsibilities:

• Ensuring referred applications or appeals are underwritten optimally, while working within our Credit Risk mandates and ensure the team operate within the service level agreements - we believe everyone is responsible for delivering the right outcomes in a timely manner
• Provide subject matter expertise and use keen investigative skills to resolve complex onboarding queries and lending complaints
• Support new product design and process optimization by continually identifying areas where we can improve
• Understand the consumer finance market to assist with lending decisions given
• Understand complex cases and continually observe for additional red flags (such as potential first party fraud indicators)
• Keep detailed and accurate records of the underwriting decisions and articulate clearly why decisions have been made
• Adhere to the FCA Conduct Rules

Required qualifications, capabilities, and skills:

• Strong understanding of the underwriting processes and procedures with a focus on new business applications.
• Experience of financial underwriting within a regulated FCA environment, with a strong customer service background (1 year minimum)
• Experience of working on your own initiative and prioritise tasks to reflect the impact on the business
• Genuine interest in regulation and be able to interpret changes as they occur
• Strong knowledge of CONC and TCF principals and how to apply them to ensure adherence with FCA guidelines
• Ability to lead by example and skilled at partnering with stakeholders