Loan Underwriter

Fluro is creating permanent positive change in the credit industry. Our current focus is to create pioneering, fair, and accessible digital finance products for the  UK market. We want to build for good from the inside out, so we're focussing on every detail from our brand to our environmental impact. 

 
We offer a highly collaborative culture that also celebrates individual ownership and autonomy. We want you to be able to make the impact you deserve but we understand not everybody goes about this in the same way, so we've created an environment that facilitates drive and ambition whilst being friendly to all styles of working. We champion experimentation, even if it sometimes means failing, in the pursuit of innovation. It's important that our goal to drive positive change starts at home in the office, and we never want to stop seeking opportunities for improvement. 

 
Fluro is an equal opportunities employer. Our goal is to build for good for people. All people. And to do that we need to hear their voices, not speak for them. Our brilliant team has been hired, compensated, and promoted based on experience,  results, and passion. We are committed to providing a welcoming and  comfortable space for everyone to flourish. 

This role would suit someone who is looking to join an organisation that can allow them to develop their career professionally while helping our customers obtain loans in a quick and efficient manner.  

Responsibilities

• Underwrite new business applications within mandate levels, ensuring full compliance with FCA guidelines


• Provide professional and efficient service to all of Fluro’s customers


• Review and verify income statements, tax returns and other financial documents to develop a borrower's profile and arrive at a credit recommendation.


• Supporting inexperienced team members within the MK office

Key Objectives

• Achieving exceptional quality audit results via telephone, email & chat  


• Ensuring applications are reviewed in a responsible manner providing customers with outstanding service 


• Balancing quality and speed at work, while working under pressure. 

Key Skills

• Several years’ experience in underwriting, ideally in a personal loan business environment


• Commitment to exceptional customer service


• Ability to cope under pressure and multi-task within a team


• Ability to work flexibly where the demands of the role require (including assisting with inbound calls of a complex nature)


• Experience in fraud prevention techniques and/or worked in a fraud/investigations department


• Experience in interpreting credit data


• Excellent numerical and analytical skills


• Ability to maintain a high degree of quality and accuracy at an effective speed


• Excellent communication skills and the ability to work in a small team 


• Ability to identify and record vulnerability when interacting with customers. 


• Ability to use your own initiative, be flexible and open to fast-paced change

The Benefits

• Private healthcare with Vitality 


• Income protection insurance 


• Scottish Widows pension scheme


• Gym membership contribution 


• Regular team socials / lunches / breakfasts 

This role will be based in the Milton Keynes area.  You will be expected to be able to travel to London for the first week or so for training (expenses paid) but training will also be provided on-site.  We work four days in the office, with one day working from home.