Underwriting Analyst

<p>Anderson Knight is delighted to be partnering with a specialist motor finance provider in Glasgow to recruit a Credit Risk Analyst – Motor Finance. This is a fantastic opportunity to join a growing organisation within the near-prime lending sector, helping customers with more complex credit profiles access vehicle finance.</p> <p>Reporting to the Credit Decisions Team Leader, you’ll be responsible for assessing motor finance applications, analysing credit data, and making well-informed lending decisions aligned with company policy and risk appetite. You’ll play a key role in promoting responsible lending by evaluating affordability, identifying potential fraud risks, and delivering a high standard of service to both internal teams and external partners.</p> <p>This role offers excellent scope to develop your underwriting and analytical skills within a supportive environment, with ongoing training and career development opportunities.</p> <p><strong>Working Hours</strong><br /> •    35 hours per week (Sunday to Thursday)<br /> <strong>Rotational shifts within: </strong><br /> o    Sunday – Thursday : 8am – 8pm<br /> o    Saturday – Sunday: 9am – 6pm<br /> •    Flexibility required as shifts rotate</p> <p><strong>Salary: </strong>£27,500</p> <p><strong>Key Responsibilities</strong><br /> •    Assess and analyse motor finance applications using credit reference data and internal tools to make informed lending decisions<br /> •    Ensure all decisions align with company policies, procedures, and delegated authority levels<br /> •    Conduct affordability checks, credit behaviour analysis, customer verification, and vehicle eligibility assessments<br /> •    Use industry systems such as credit reference agencies, vehicle valuation tools, and fraud prevention platforms<br /> •    Maintain accurate and detailed records of all decisions, including any lending conditions applied<br /> •    Identify and escalate potential fraud or financial crime risks in line with internal procedures<br /> •    Deliver a professional and efficient service to dealers, brokers, and internal stakeholders<br /> •    Manage application volumes effectively to meet team service level agreements<br /> •    Stay up to date with credit policies, regulatory requirements, and industry best practice<br /> •    Contribute to team development through training and continuous improvement initiatives</p> <p><strong>Skills &amp; Experience</strong><br /> •    Experience in underwriting, credit analysis, or financial services (preferred)<br /> •    Strong analytical and decision-making skills, with the ability to interpret financial data<br /> •    High attention to detail and ability to follow structured processes<br /> •    Strong organisational skills and ability to prioritise workload in a fast-paced environment<br /> •    Proficient in Microsoft Office, particularly Excel and Word<br /> •    Excellent written and verbal communication skills<br /> •    Ability to build strong working relationships internally and externally</p> <p>If you’re looking to take the next step in your credit or underwriting career within a dynamic and supportive organisation, we’d love to hear from you.</p> <p>Apply now with your CV in confidence.</p>