Senior Credit Assessment Specialist
2 weeks ago
**Job Description:**
We are seeking a skilled Credit Risk Analyst to join our fast-paced team at Iwoca. As a Credit Risk Analyst, you will be responsible for assessing credit applications and making informed decisions using our advanced technology platform and data-driven approach.
**About Us:
Iwoca is a leading Fintech company that provides fast and flexible finance solutions to small businesses across Europe. We have already funded over £7 billion to more than 100,000 businesses since our inception in 2012.
Our mission is to finance one million businesses by continuing to make our finance ever more relevant and accessible to more businesses through cutting-edge technology, data science, and exceptional customer service.
**Key Responsibilities:**
- To assess credit applications accurately and efficiently using your experience, data sources, and our tech platform.
- To develop and maintain a deep understanding of commercial loan underwriting, credit sanctioning, and credit analysis within the UK SME sector.
- To work closely with cross-functional teams to ensure seamless decision-making and communication.
**Requirements:**
- A minimum of 2 years' experience in commercial loan underwriting, credit sanctioning, or credit analysis within the UK SME sector.
- Strong business acumen and a working understanding of risk and revenue drivers influencing creditworthiness.
- The ability to interpret and analyse financial statements.
- An analytical mindset with a practical approach to problem-solving.
- Excellent communication skills for direct telephone contact with customers and daily interaction within the credit team.
**What We Offer:
Iwoca values its employees' well-being and offers a range of benefits, including medical insurance, 25 days' holiday, an extra day off for birthdays, and opportunities for professional growth and development. We also provide share options, generous maternity and paternity leave, and a nursery tax benefit scheme. Our hybrid work model allows for flexibility and work-life balance.
**Salary Range:** £45,000 - £55,000 per annum, depending on experience.
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