Trainee Credit Underwriting Officer

Job Description

We would love to welcome you to our York office, whether you're at the start of your career or looking for your next challenge. Full training for any role will be provided, and we can offer full study support for a range of courses including CICM.

Whilst experience in a credit or risk management role may be an advantage, the right attitude is the most important quality. We are keen to hear from you whatever stage you are at in your credit career.

 

What would your day to day look like? 

• New application processing involving the gathering of key information to ensure we are making sound, well informed, judgemental decisions. 
• Drive and determination to ensure delivery of all agreed individual KPI’s: Ensure individual delivery of agreed service standards for the Vetting operations - Percentage of final stated decisions within 1-2 days - Decisions per day. 
• Identify opportunities to innovate (systems and processes) to improve risk mitigation, approval rate or productivity.  
• Developing and maintaining good relationships with key stakeholders across the business. 
   

Departmental and Business integration 

• Actively engage in relevant and appropriate opportunities for cross-department working to build relationships & share knowledge. 
• Participate in meetings and projects with wider credit team to continually improve department performance. 
• Use exposure to different areas of credit and businesses / products to share good ideas and approaches across the team and improve the processes and systems as a result. 

Individual Management 

• Manage individual performance to achieve credit underwriting standards. 
• Manage credit underwriting to ensure Dept SLAs are maintained.  
• Keep accurate and complete records of all cases underwritten within systems. 
• Escalation of applications and issues as required. 
• Manage the Account Managers expectations to minimise escalated calls. 
• Assist the overall Credit Dept in managing bad debt charge by ensuring detailed underwriting and risk is completed. 

Qualifications

• Positive attitude and ability to work well as part of a team. 
• Ability to communicate at all levels and engage with stakeholders across the business. 
• Prioritise and manage own workloads. 
• Good eye for detail. 
• Flexible approach and attitude. 
• Experience in a similar role is desirable, but not essential.

Additional Information

• A friendly culture that mirrors our proposition to our customers.  
• A fast-growing organisation that defines itself as being agile and innovative 
• A drive for continuous improvement, which you will be empowered to get behind from day one.  
• A commitment to building a working environment that values inclusivity, innovation, agility, and drive. 

And of course, you will be compensated competitively, with a good range of core benefits and bonus potential.   

#LI-JW1

Diversity, Equality & Inclusion at Radius

Our global DEI networks champion LGBTQ+ inclusion, cultural diversity, women’s empowerment and mental health, neurodiversity and disability support.

We also offer:

• Global Female Health Policy & Female Health Champions
• Pregnancy Loss and Fertility Treatment Policies
• Endometriosis Friendly Employer (UK)
• Women-focused gym & female health events
• Mental Health First Aiders
• Disability Confident Committed Employer (Level 1)
• Race at Work Charter signatory
• Proud sponsor of Crewe Pride (4 years running) and Cheshire Pride Awards Corporate Supporter 2025
• Community network driving charity and volunteering initiatives, with 8 consecutive years of participation in the UK Challenge.
• Give as you earn scheme (payroll giving) and match funding

Next Steps

If you feel we are a good match for each other, you can apply online now!

If you’d like to understand more about the role or life at Radius before applying, then please contact our talent team via [email protected]

Radius is an equal opportunities employer. We are committed to welcome people regardless of age, disability, gender identity, race, faith or belief, sexual orientation or socioeconomic background.

We are committed to ensuring an inclusive and accessible recruitment process for all candidates. If you require any adjustments or accommodations at any stage of the process, please let us know, and we will do our best to support you.

We reserve the right to close a vacancy before the closing date in the event of an overwhelming response or a change in business priorities.