About the Credit Risk Analyst

London Based – 3 days in the office

Up to £60K basic

I am representing a profitable SME lender with 2 strong products catering for speed, flexibility & efficiency for SME business owners.

After launching in 2022, they have scaled a significant lending book both with unsecured business loans & revolving credit facility and over last 18 months have seen 200% growth MoM re applications.

2026 is an exciting time, a new funding round has been secured & also EMI license to expand

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.

Due to growth we are looking for a analytical & inquisitive Credit Risk Analyst who can join the team of 2 with focus on day to day underwriting whilst adding value in automation projects, building scalable policies & added bonus would be ability to use any SQL skills to support credit modelling.

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

• 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
• Desirable if you have SQL / Data experience to support modelling projects and back book management
• 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