Job Title: Credit Risk Analyst
Location: London based – 3 days a week
Salary –£35k – £42K basic, some flex for an outstanding candidate
About the Credit Risk Analyst
My client is a fast growth startup who have disrupted the SME lending ecosystem after last 18 months of trading – They have launched with a multitude of products to support SME businesses inc Unsecured Loans & Revolving credit line and already have plans for 2 new product launches in 2026
They pride themselves in speed, efficiency & utilising open banking to make fair & fast lending decisions up to £500K…
As a team of 25 in the UK, it’s a perfect time to join the company as you will have real ability to impact business growth, influence credit & risk remit and grow your career.
The head of credit & risk is passionate around providing a motivated, proactive individual the chance to join her team allowing real exposure to various tasks around credit & risk and have autonomous decision making on lending deals up to £100K which will increase as you develop…
Responsibilities and duties will include:
- First line of credit sanctioning, taking responsibility for collating data, assessing information, and recommending credit facilities
- Manage a portfolio of SME clients from a risk management perspective
- Analyse credit data and bank statements to determine the degree of risk involved in extending credit or lending money to a client
- Generate risk rating outputs using standard templates, and to evaluate customers’ financial status
- Prepare credit applications and submit to sanctioning authority for approval
- Evaluate customer records on an ongoing basis, and review client files to identify and manage accounts showing signs of distress
- Work with the wider business and the development team to improve the collation of data, risk assessment tools, and process improvements
- Continually assess the clients’ ongoing creditworthiness
- Contribute towards the strategic development of the business, and in particular the Credit Management function
Essential Skills and Competencies
- 2-3 years of experience in commercial loan underwriting, credit sanctioning or credit analysis within the UK SME sector – Ideally held lending mandate of minimum of £40K
- Strong business acumen with a clear understanding of the risk and revenue factors that influence creditworthiness
- Confident in interpreting and analysing financial statements
- Experience working with Open Banking data
- Self-motivated and adaptable, with the ability to work effectively in a fast-paced and changing environment
- Excellent communication skills with regular customer contact and close collaboration with other teams
- Analytical mindset with a practical approach to problem solving, offering scalable solutions and suggesting process improvements
- Negotiate effectively with a range of stakeholders
For more information please get in touch or to apply send your CV now
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