First Response Finance
Trainee Underwriter
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Company Description
First Response Finance is an award-winning UK finance company with offices in Nottingham, Leigh, and Glasgow. The company’s core products are hire purchase solutions for used cars, motorbikes, and vans, with personal loans also offered to existing customers. Guided by the philosophy of “People, Service, Profit,” the business focuses on investing in team members, product quality, and customer service to drive long-term success. As a people-centric organization, First Response Finance aims to create an outstanding workplace for highly skilled professionals who deliver excellent experiences for customers.
Role Description
The Trainee Underwriter role is a full-time, on-site position based in Nottingham. In this role, the individual will review and assess finance applications for motor vehicles and personal loans, gathering and verifying information to support responsible lending decisions.
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Day-to-day Tasks
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- Analysing customer affordability
- Checking documentation
- Applying underwriting guidelines under supervision
- Communicating with customers and internal teams to clarify details, explain decisions, and ensure a smooth customer journey
- Maintaining accurate records
- Adhering to regulatory and company policies
- Continuously developing underwriting knowledge through training and feedback
Qualifications
- Strong numerical, analytical, and problem-solving skills to assess customer affordability and risk
- Excellent communication and interpersonal skills for engaging with customers and colleagues in a clear and professional manner
- Attention to detail and accuracy when reviewing documentation and entering data into systems
- Ability to learn and apply underwriting guidelines, regulatory requirements, and internal procedures
- Good time management and organisational skills to handle multiple cases and meet deadlines
- Comfort with using computer systems and basic office software; experience with finance or CRM systems is an advantage
- Positive, customer-focused mindset aligned with a people-centric culture, with a commitment to ethical and responsible lending
- Prior experience in finance, customer service, or administrative roles is beneficial but not essential
- Educated to a reasonable standard (e.g., secondary education or equivalent); further qualifications in finance, business, or related fields are a plus
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