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Lending Underwriter


Salary £23,000

Department Underwriting

Location Rotherham, S63 7ER

Job Type Full Time

Closing date 30/04/2024

A bit about the role…

The Underwriter role is responsible for making loan eligibility decisions and approving or rejecting applications. You will interact on a one-to-one basis building relationships with our customers. Working in conjunction with other departments to provide an outstanding service during the application journey, meeting the overall needs of the business. You will be joining our expanding and friendly team, who are committed to making a positive difference to customers wishing to improve their lives with renewable, and energy saving products for their homes.

This is a rare chance to join our fast growing, innovative organisation with a real passion and purpose for our network. The Underwriter role is critical to business success ensuring all customers are treated fairly and with respect through our responsible lending policy and ensuring good customer outcomes from the onset of the relationship.

A bit about you…

Whilst our day job is to deliver a first-class service to our customers across the UK, you will be used to working at pace and “spinning several plates” at once, whilst demonstrating excellent organisational, administration and attention to detail and you will always be looking for ways to improve and innovate.

You’ll be comfortable supporting your team with daily challenges and ad-hoc duties as required. You will be the virtual ‘Face of Propensio’.

As an Underwriting professional, you’ll understand credit data and manage customer expectations. We make it our priority to speak with applicants so you will be required to demonstrate an empathetic professional attitude on all calls.

Who are we?

Propensio Finance plays a central role in in the Consumer Finance Industry, as one of the top Home Improvement Lenders investing in Environmental, Social and Governance (ESG) in the UK. We have the appetite, influence, expertise and resource to drive positive market changes, and our mission is to ensure more people have availability to funds to improve lives through lending.

What we offer…

A competitive annual salary of £23,000.

Free parking within the Business Park and a company pension with Scottish Widows.

A Continuous Learning Program to keep you in the loop with relevant progression within the business and changes to economic mechanics, policies and procedures.

If you ever need a bit of extra help, we have a great employee assistance programme with financial wellbeing support and access to many great discounts with leading high street names.

We’ll support you, wherever possible, so that you don’t miss out on what matters to you.


The Underwriter role is the virtual face of Propensio and serves as the first point of contact for most customers. You will be able to demonstrate exceptional communication skills, an ability to work independently and a genuine desire to make a meaningful impact within a rapidly growing organisation. You will report into the Underwriting Team Manager.


· Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.

· Understand the rules and regulations that govern lending

· Work seamlessly with other team members to ensure a smooth, speedy application process for potential customers.

· Review and verify supporting documentation.

· Conduct thorough and accurate research

· Respond to all customer enquiries/applications

· Performing administrative tasks as assigned by the Line Manager


· Outstanding communication & listening skills.

· Educated to GCSE level in both Maths and English.

· 2+years’ experience in a Financial Services environment.

· Excellent customer service skills.

· The integrity to respect private and confidential information.

· The ability to work to SLAs in a high-pressure working environment.

· Attention to detail.

· Excellent active listening skills.

· Patience & Resilience.

· A professional telephone manner.

· High quality computer and numeracy skills.


  • Company events
  • Company pension
  • Free parking
  • Health & wellbeing programme
  • On-site parking

Schedule: Monday to Friday

Job Types: Full-time, Permanent

Salary: £23,000.00 per year

Ability to commute/relocate: Rotherham, S63 7ER: reliably commute or plan to relocate before starting work (required)

Education: GCSE or equivalent (preferred)


  • Financial services: 2 years (required)
  • Underwriting: 2 years (required)

Work Location: In person

Apply now

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