Credit Analyst - Senior and Junior

Recruiter
MERJE Ltd
Location
London
Salary
45000.0000
Posted
12 Feb 2017
Closes
12 Mar 2017
Contract Type
Permanent
Hours
Full Time

Job Description:

An exciting opportunity to join one of Europe’s leading Fintech startups. My client is looking for Credit Analysts who can help us make even better lending decisions whilst supporting our rapid growth. As part of the outbound Credit Analyst team you will be responsible for generating leads and converting them into active customers.

The role:

The team of Credit Analysts are responsible for making lending decisions for each of the small businesses that approach the business. You will:

  • Evaluate credit applications - using cutting-edge tech platforms, 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 the Account Management team - Account Managers act as "customer champions" and you’ll work 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

REQUIREMENTS

You will need:

  • 1-3+ 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.