Credit Analyst

Job Title: Credit Analyst
Contract Type: Permanent
Location: London, London
Salary: £33000.00 - £35000.00 per annum
Start Date: ASAP
Duration: Permanent
REF: HQ00020143
Contact Name: Andy Tubb
Contact Email:
Job Published: almost 2 years ago

We are seeking to appoint an ambitious and pro active Credit Analyst who has a sound knowledge of making credit decisions for commercial SME organisations.

Duties to include;

Evaluating credit applications - using a cutting-edge tech platform, you will be analysing data from financial statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions.
Build a loan book - you will make decisions on your own set of customers and will be expected to grow your own loan book.

You should thrive in a KPI driven environment where you are responsible for meeting global risk targets
Work closely with our Account Management team - Account Managers act as "customer champions" and you'll worth with them to ensure we do our best to meet our customer's needs and offer a fast, slick service.

Develop our credit risk model - you'll work closely with the risk team, providing them with insights from the front line on how to strengthen our underwriting models and policies.

Guide junior credit analysts in their credit decisions and support their goals and targets

Skills & Experience

3+ years of experience in commercial loan underwriting, preferably within the SME sector or alternative lending.
Strong business acumen and a working understanding of what makes a good business good, so you can quickly identify the key drivers behind an application.
The ability to interpret financial statements and an understanding of the key risk drivers specific to SMEs.
An analytical mindset with a practical approach to problem solving.
To be confident, focused and enthusiastic. You should be comfortable in a fast-paced startup environment where every month needs to be a record month.
Good communication skills. You will have direct telephone contact with loan applicants to extract additional information so need a friendly telephone manner.
The ability to come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve our efficiency.

Fantastic long-term career opportunities are on offer for successful applicants.