Job Purpose

The New Business Underwriter will demonstrate excellent attention to detail and will be the proactive point of contact between the Dealer Operations department, Network Funding , Dealer Account Managers and the Dealer Network. Ensuring new business applications are assessed in a timely, accurate manner.

You will also support the development of Alliance manufacturer dealer network through managing the risk and provision of Mobilize-FS wholesale funding.

Detailed Description

• Respond to all Dealer enquiries in an efficient and courteous manner via phone or email.
• Assist dealers to convert a negative decision to an acceptable proposal to RCI, providing the risk is within RCI guidelines.
• Follow up on a daily basis any proposals you have deferred for further information
• Underwrite referred proposals within authority and refer to a higher-level authority when necessary
• Ability to read & understand company accounts in order to make sound decisions
• Ensure CIFAS applications are investigated correctly and thoroughly and that any possible frauds are identified promptly referred for further action.
• Highlight any problems that may arise to your manager and offer possible solutions
• Ensure department Service Quality Commitments (SQC’s) and Key Performance Indicators (KPIs) are met whilst also maintaining high service levels and standards
• Work transversely across Operations and throughout the business supporting your colleagues in other areas
• Assist with other job functions within the team inline with business needs..
• Protect the company at all times from fraud and financial exposure
• Comply with all company procedures and standards
• To comply with all relevant legislation at all times such as Consumer Credit Act, Money Laundering Act, Data Protection Act and the FLA code of practice

The main internal contacts in the role will be Operations, Sales, Marketing, Network Funding and Dealer Account Managers.

External contacts include the dealer network, manufacturers and suppliers

Knowledge and Skills

• Asset underwriting experience
• Eye for detail & Good standard of numeracy
• Excellent telephone manner and communication skills
• Effective written / verbal communication skills
• Ability to read & understand company accounts
• Team Player
• Pro-active attitude
• Computer literate
• Problem solving

What do we offer?

The benefits package includes:

• 27 days annual leave + 2 extra half days (Christmas Eve and New Year’s Eve) + Bank Holidays
• Private Healthcare – Self
• Annual bonus scheme - up to 6% non-contractual bonus
• Loan Plan Scheme – entitled up to 2 vehicles at any one time
• Generous contributory pensions scheme

We also offer an annual Flexible Benefit Scheme that allows you to trade in your core benefit for a variety of other benefits These include –

• Option to buy / sell up to x 5 days annual leave
• Option to purchase retail vouchers, private dental, health screening
• Cycle to work scheme (Bicycle)
• Gym Flex Scheme
• RCI Bank Staff Freedom Savings Account
• Free Eye test Voucher
• Access to over 400 Brand retailers with vast array of discounts
• Wellbeing centre providing education, support, and tools to help you live a healthier and happier life

Applications should be received by the 3rd of September 2025.