Credit Risk Analyst (Underwriter) - 6 Months FTC - Bradford Credit Risk Analyst (Underwriter) - 6 Months FTC -  …

in Bradford, England, United Kingdom
Contract, Full time
Be the first to apply
in Bradford, England, United Kingdom
Contract, Full time
Be the first to apply
We have two exciting six-month fixed term contract opportunities for Credit Risk Analysts (Underwriters).

Make decisions that matter, while protecting our customers

As a Credit Risk Analyst you will be responsible for making decisions on complex applications. Working as part of a large team of underwriters you will analyse financial data and information in order to make lending decisions on applications from a wide variety of Santander customers.

We're passionate about helping people and businesses prosper and we strive to be simple, personal and fair in everything we do. That's why we've built a culture of respect, where everyone is empowered to keep their promises and go above-and-beyond for our customers, colleagues and the communities we serve.

As a Credit Risk Analyst your main responsibilities will be

  • Responding to application referrals, including appeals, ensuring that appropriate decisions are made within authority levels, seeking advice from more senior colleagues as appropriate
  • Evaluating high risk transactions by making necessary investigations, making recommendations on suitable courses of action as appropriate
  • Providing information and guidance on relevant products, policies and procedures to the Santander Business Banking network and other internal groups, enabling them to effect transactions appropriately
  • Responding to queries from internal customers on a range of complex topics relating to lending decisions, escalating where required and ensuring customer service is maintained whilst the company's interests are protected
  • Maintaining performance against service standards (e.g. daily output and quality sampling) to ensure internal customers receive efficient and accurate decisions
  • Ensuring that existing processes and procedures are adequately documented, making relevant recommendations if improvements are identified

Minimum skills and experience required

  • Must be able to demonstrate experience / knowledge of underwriting
  • Proven customer service skills; must have excellent communication skills both face to face, written and over the phone
  • Excellent attention to detail
  • Strong numerical skills
  • Experience in credit risk/underwriting

Rewarding you

Salary is competitive

For your commitment and success, Santander offers a competitive basic salary with a distinct career development opportunity. In addition to your salary and bonus, we offer you a benefits package that's flexible and allows you to be in control, as well as all the policies, tools and guidance to support you.

Other Santander benefits include:

  • Pension with generous contributions from Santander
  • 27 days' holiday plus bank holidays, with the option to purchase up to 5 contractual days per year
  • Voluntary healthcare benefits at discounted rates such as Private medical insurance, Dental insurance, Healthcare Cash Plan and Health assessments
  • 24/7 access to an online employee discount platform. Save money on everything from groceries, electronics, fashion, holidays and much more
  • Benefits supporting you and your family, such as voluntary Life assurance and Critical illness cover
  • Option to a Company car if you drive more than 8,000 business miles per year
  • Access to an All Employee car scheme
  • Excellent employee recognition schemes - be recognised for demonstrating great behaviours
  • Share in Santander's success by investing in our Sharesave and Partnership shares plans
  • Support your favourite causes through charitable giving and our community partnerships


You'll be working in the bustling centre of Bradford just one minute from the Bradford interchange, or a five-minute walk from our nearest train station. With an onsite restaurant and free parking, and plenty of local shops, childcare options and gyms nearby, there's something for everyone.

Why Santander?

We'll give you more than a job, we'll give you a purpose - to help people and businesses prosper.

Our aim is to be the best bank for our people, customers, shareholders and communities and we're making it happen by focusing on the behaviours that bring everyone together. By bringing passion, talking straight, embracing change, showing respect, speaking up, keeping promises, giving support, truly listening and actively collaborating, we believe we can really make a difference.

We've created an environment where we always put people first, that's why we offer flexible work options to help you do your job in a way that suits you. Whatever your unique ambitions, you'll have plenty of room to grow, with tailored training and development opportunities and a wide range of benefits designed to suit your lifestyle. What's more, we'll also support you in making a difference through our volunteering and fundraising schemes. Our commitment to our people hasn't gone unnoticed and we've been listed as one of Britain's Top Employers by the Top Employers Institute since 2012.

Time to apply

If this sounds like a role you're interested in then please apply on the link below.

Equal Opportunities Statement

Santander are an equal opportunities employer who are simple, personal and fair in everything we do. For more information on our commitment to equal opportunities, please visit our diversity page here.