Senior Credit Risk Analyst
About the Company:
Our client is a dynamic, well-backed B2B lending firm with an outstanding track record and an impressive portfolio of clients. After a key hire in the Head of Credit Risk role, the company is expanding its Credit team at an exciting and pivotal point in its growth journey.
Role Overview:
We are seeking a highly skilled Senior Credit Risk Analyst to join the team. You will be instrumental in shaping credit risk decision-making and underwriting processes across the SME sector, focusing on loans upwards of £250k. This is a hybrid, Central London-based opportunity (2 days a week in the office).
Key Responsibilities:
* Manually underwrite and assess B2B loans of £250,000 and above, ensuring robust and accurate risk evaluation.
* Conduct in-depth financial analysis and creditworthiness assessments for a diverse SME client base within the UK.
* Support development and continuous improvement of credit risk frameworks, policies, and procedures.
* Provide risk-based recommendations and collaborate closely with the Head of Credit Risk and broader credit team.
* Prepare clear, data-driven credit proposals and present findings to stakeholders.
* Keep abreast of industry trends and regulatory developments impacting credit risk and SME lending.
* Contribute to the development of team best practices and mentor junior analysts where appropriate.
About You:
* Proven expertise in credit risk analysis and manual loan underwriting for business loans of £250,000+.
* Extensive experience assessing credit risk within the UK SME sector.
* Strong analytical skills, with proficiency in financial statement analysis and risk assessment methodologies.
* Excellent communication and stakeholder management skills.
* Highly organized, detail-oriented, and confident in a fast-paced, collaborative environment.
What's on Offer:
* Be part of a driven, fast-growing financial firm at a key stage of expansion.
* Competitive salary and benefits.
* Hybrid working model with a Central London office base.
* Real opportunities for personal and professional development.