Job Description

Job Title: Trainee Underwriting and Fraud Officer

Location:

Southampton, with flexibility to work from home following the initial training period (min. 3 days in the office)

Reports to:

Underwriting and Fraud Manager

Contract Type:

Full-time / Permanent

About the Role

We're looking for a curious, driven and detail-oriented individual to join our Underwriting and Fraud team as an Underwriting and Fraud Officer. This trainee position is designed to build your technical capability, risk awareness and decision-making confidence in a fast-paced, customer-focused lending environment.

As this is a trainee position, no previous experienced of Underwriting and Fraud is needed. You'll be provided with full training and immersed in the fundamentals of underwriting, learning how to assess loan applications, identify fraud risks, and ensure fair outcomes for customers. You'll work alongside experienced underwriters and fraud specialists, gaining exposure to real-world cases and contributing to the delivery of high-quality lending decisions.

This is a brilliant opportunity to grow your career in financial services, with structured development, hands-on experience and a supportive team culture.

Key Responsibilities

Underwriting Fundamentals

Learn and apply underwriting principles to assess customer applications in line with lending policies.

Understand customer financial situations to support informed, risk-based decisions.

Maintain detailed records and audit trails to support underwriting decisions.

Participate in exception-based reviews and contribute to risk-based decision-making.

Performance & Compliance

Achieve monthly quality and compliance targets aligned with Standard Operating Procedures.

Comply with relevant legislation including the Data Protection Act, Consumer Credit Act, and FCA guidelines.

Alert the Underwriting and Fraud Manager to any irregularities, compliance issues or reputational risks.

Learning & Development

Attend internal training sessions and complete knowledge quizzes on underwriting and company policies.

Take ownership of your development, actively seeking feedback and coaching.

Embrace change and contribute ideas to improve processes and customer outcomes.

Collaboration

Communicate regularly with Senior Underwriters, Underwriting and Fraud Manager and other teams across the business.

Build strong relationships across the business to support collaborative problem-solving.

Contribute to a team culture of professionalism, integrity and fun.

What We're Looking For

Essential

Willingness to learn industry regulations including money laundering, data protection, the Consumer Duty, and treating customers fairly.

Excellent communication and interpersonal skills.

Strong organisational skills and attention to detail.

Ability to work under pressure and make sound risk-based decisions.

Commitment to personal development and continuous learning.

Desirable

Speed of execution - the ability to act decisively and move with pace.

A natural team player with a collaborative mindset.

Previous experience in financial services.

Knowledge of the consumer credit industry.

Benefits

Bonus Scheme: Discretionary quarterly bonus

22 Days Holiday plus bank holidays: Increases with each year of service up to max of 25 days

Life Cover: 4x basic salary

Dental Scheme: reimbursement of pre-agreed limits (up to a family level)

Cycle to Work Scheme

Pension Scheme: salary sacrifice scheme, 5% company's contribution

Perk Box: 100's of discounts on well-known brands and lots more

Help @ Hand: Access to free GP & counselling support services

Generous Family Leave

Optional Paid Volunteering Time: Join our Charities Committee in supporting our local charities

Casual Dress: Wear what makes you comfortable to deliver an excellent customer experience

Bamboo Socials: Our Social Committee work hard all year round to provide lots of events including summer parties, quiz nights, team building events, and Summer and Winter parties

We are an equal opportunity employer. We are committed to diversity and inclusion. We prohibit discrimination and harassment of any kind based on race, colour, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic

Due to the large volume of applications, we are unable to contact each applicant. If you have not heard form us within a week, it means that on this occasion you have not bee successful. But please keep an eye on our future job openings.

Job Type: Full-time

Pay: 25,095.00-28,000.00 per year

Benefits:

Company pension Cycle to work scheme Health & wellbeing programme Life insurance Private dental insurance Referral programme Sick pay Work from home
Work Location: In person