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Credit Underwriter

Department
Controlling
Location
Bristol CEC United Kingdom
Date Posted
19-09-2025

An exciting opportunity within our Credit Operations Team where you as the successful applicant will, along with the team, be responsible for evaluating credit applications. The department is key to protecting the company from undue risk whilst also ensuring we provide a great customer experience.

Based in Bristol we're offering a starting salary of £24,555 in addition to benefits this is a great entry level role for someone with an analytical mindset, great attention to detail and a head for numbers.

Key Purpose:

  • Complete credit underwriting decisions for regulated and non-regulated customer applications

  • Ensure we adhere to due diligence procedures in line with Group compliance requirements

  • Complete all activity in line with business risk appetite and company policies and procedures.

  • Protect the company from undue credit and regulatory risk

Summary of Responsibilities:

  • Analyse and interpret financial information from a wide range of sources

  • Decision on credit applications and declined application appeals completing a robust audit trail and within defined quality and efficiency standards

  • Complete due diligence and know your customer checks

  • Respond timely to customer verbal and written enquiries ensuring that all relevant information is communicated in line with company credit risk policy.

  • Timely escalation of any procedural issues to the management team.

  • Involvement in process document reviews and providing ideas to improve the E2E client journey.

  • Communicate effectively with a wide range of contacts including internal colleagues, colleagues throughout the Société Générale group, customers and third parties

Skills, Experience & Background

  • Research and analytical skills having worked in a similar analytical position

  • Previous experience within the Financial Services industry

  • Proactive time management & organisation skills

  • Good standard in IT literacy in particular Microsoft Office application

  • Strong communication skills i.e., written, face to face, telephone

  • Knowledge of credit underwriting processes would be advantageous but not essential

  • Knowledge of financial services regulations would be advantageous.

What We Can Offer

  • Generous contributory pension scheme 

  • 25 days holiday, in addition to bank holidays 

  • Volunteering days to assist in charity work

  • Sustainability Initiatives 

  • Holiday buy / sell (subject to conditions)

  • Travel Insurance (cost associated)

  • Dental Insurance (cost associated)

  • Flexible working options available

  • Study support (where applicable)

  • Enhanced parental leave

  • Generous Employee Referral Scheme (£1000)

  • Cycle2work Scheme 

  • Free breakfast / fruit in the Bristol office

  • EV charging points, bike storage, shower & changing facilities and car parking