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Job Title: Underwriter (Home Improvements Lending)   Working Pattern: Given the requirements for this role, we are unable to consider any fully remote working requests. 36.25 hours per week, operating between the hours of 8am - 8pm. This will involve early, late and split shifts on a rotating basis. Weekend work will typically be required one in every four weekends, however this may change due to business needs. Salary: up to £28,000 dependent on experience and up to 20% bonus and benefits Location: Cardiff - office based, hybrid after probation 💚 Shaping the future of sustainable digital banking Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.  People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.  Recognised in  The Sunday Times  Best Places to Work for 2024 and 2025, Tandem has also been named in  The Sunday Times  100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.  Tandem is growing fast and helping to shape the future of sustainable banking. Your team: Collaborators in change  Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. The main purpose of the role is to support the Underwriting Manager to achieve departmental service levels whilst upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA CONC rules, and delivering fair customer outcomes TCF, FCA, CCA, DPA).    This is a key role in ensuring that the fair treatment of customers is embedded within the Underwriting team whilst ensuring that fair customer outcomes are consistently delivered. You will support Underwriters by processing applications and speaking with our customers over the phone.   Your Impact: Building a sustainable tomorrow As an Underwriter at Tandem your focus will be on: Reviewing and assessing all new finance applications received, to an expected and timely deadline and to within agreed mandate Ensure that applications are worked compliantly and efficiently to company policies Review applications with an analytical eye to ensure every customer is treated as an individual Ensure that Individual, Department and Company set KPI targets are achieved Attend and implement all training and coaching to ensure full compliance to policies and procedures To work on any additional tasks as set out by the Senior Underwriter/Manager To ensure company policy regarding behaviours and conduct is always adhered to Ability to adapt to potential shift changes based on business demands Proactively manage all underwriting-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties Identify situations that may require specialist handling (e.g. Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of