Our client is seeking a highly skilled and experienced Credit Risk Analyst to manage the underwriting and expert evaluation of lending across multiple business channels. You will play a crucial role in ensuring the integrity of our credit processes, working in line with domestic and central risk policies.
Key Responsibilities
- Expert evaluation and underwriting of lending transactions across diverse business channels.
- Align credit decisions with central and domestic risk policies, exercising individual discretion where applicable.
- Maintain and promote good governance and compliance, ensuring all business transactions adhere to internal credit processes.
- Oversee credit approval processes, collateral management, and restructuring while maintaining agreed service levels.
- Evaluate and underwrite both structured lending and cash flow-based transactions, especially in the mid-ticket sector.
- Conduct periodic reviews of existing transactions, assessing payment history, collateral value, and market trends, and recommend updates to credit ratings or facilities.
- Collaborate with front-office teams to provide clear guidance on risk identification, analysis, and presentation.
- Ensure all transactions meet appropriate credit sanction and compliance with industry regulations (AML, data protection, etc.).
- Recommend credit decisions for transactions beyond your sanctioning authority and ensure all documentation meets risk requirements.
Person / Experience Required
- 3-5 years of credit experience with a focus on structured lending and cash flow-based transactions.
- Strong background in analysing and interpreting financial statements/data across a variety of industries.
- Excellent analytical skills with a balanced understanding of commercial realities and business operations.
- Solid understanding of the asset finance industry, including knowledge of available product offerings and funding facilities.
- Ability to competently assess both unsecured and secured transactions in the mid-ticket lending space.
- Proficiency in Microsoft Word and Excel, with strong written and verbal communication skills for clear, concise reporting.
- Familiarity with industry regulations such as consumer credit laws, treating customers fairly (TCF), anti-money laundering (AML), and data protection.
- Experience in exercising personal sanctioning authority with responsibility and care, as well as preparing recommendations for higher-level approvals.
Benefits
25 days of annual leave
Private medical care
Travel insurance
Free eye tests and allowance towards a prescription
Buy and sell holiday
Up to 20 days sick yearly paid
Can buy shares in the company
Please note:
As you can appreciate we are currently overwhelmed with applications of individuals looking for both short term and permanent work and we can therefore only contact those applications that have relevant skills for positions that we currently have available. Should you not hear from us within a week, please assume you have been unsuccessful on this occasion.
In line with GDPR regulations, we are making you aware that to proceed with your application we will need to contact you via email, telephone and/or text message. To receive future job alerts from us, you will be required to provide consent within our marketing preference options. The link will be provided in an email to you. Source4 are an equal opportunities employer and complies with all relevant UK legislation. If you are successful in your application, you will be required to attend a full registration with one of our Consultants which will involve you providing a current passport, any relevant visas, a proof of address and completing relevant tests and a full competency based interview.