Senior Credit Analyst

1 month ago

Edinburgh, Edinburgh, United Kingdom LendingCrowd Full time
Job Title: Credit - Lead Analyst

We are seeking a highly skilled and experienced Credit Lead Analyst to join our team at LendingCrowd. As a key member of our Credit Team, you will play a critical role in supporting the end-to-end processing of credit decisions, from initial checks on borrower applications to the preparation of loan and security documentation.

Key Responsibilities:
  • Assist with the processing of credit decisions, ensuring accurate and timely completion of tasks.
  • Direct and manage a small team of Credit Analysts, providing guidance and support to ensure high-quality output.
  • Deputise for the Lending Operations Team Leader as required, taking on additional responsibilities and contributing to the overall success of the team.
  • Accurately report on findings following investigations of credit applications, ensuring compliance with regulatory requirements.
  • Monitor, file, and report on all internal and external paperwork received for the Credit Team, maintaining a high level of organisation and attention to detail.
  • Line management responsibilities for a small team of Credit Analysts, including performance management, coaching, and development.
  • Proactively support and encourage the team to deliver on Lending Operations key performance indicators, driving continuous improvement and excellence.
  • Contribute to improvements to processes and policy that balance risk with customer service, ensuring a high level of quality and efficiency.
  • Manage and build internal relationships with key functions within the business, fostering a collaborative and supportive environment.
  • Assist the Credit Quality Assurance Manager in the completion of Peer Review Assurance Testing, ensuring compliance with regulatory requirements.
  • Attend the Executive Credit Committee as an observer, staying informed and up-to-date on key decisions and developments.
Requirements:
  • Excellent line management or coaching experience, with a proven track record of success.
  • Experience of working within a regulated financial services environment, with a strong understanding of regulatory requirements.
  • Ability to complete and analyse credit reference agency reports, identifying potential risks and opportunities.
  • Reviewing bank statements to analyse for specific fraudulent activity, ensuring compliance with regulatory requirements.
  • IT systems used to assess credit worthiness, with a strong understanding of their functionality and limitations.
  • Preparing loan documentation within a financial services environment, ensuring accuracy and attention to detail.
  • Conducting and completing Anti Money Laundering and Know Your Customer checks on borrowers, ensuring compliance with regulatory requirements.
  • Contributing to the continued development of credit policy, lending parameters, and product criteria, ensuring a high level of quality and efficiency.
  • Supporting the Lending Operations Team with the delivery of strategic projects, driving continuous improvement and excellence.
About LendingCrowd:

LendingCrowd is a leading fintech business, shaping the way SMEs borrow money. We blend technology innovation, financial expertise, and solid backing to drive growth and success. With over £300m in lending to small businesses across the UK since our launch in 2014, we're perfectly positioned to become the trusted choice for SME financing. Our embedded culture of 'doing the right thing' at our core, we actively encourage the generation and development of ideas from all team members to grow the business. Our office is city centre Edinburgh, based on George Street.

We offer a range of benefits, including:

  • Company events
  • Company pension
  • Enhanced maternity leave
  • Life insurance
  • Private medical insurance
  • Referral programme
  • Sick pay
  • Work from home

We're looking for a highly skilled and experienced Credit Lead Analyst to join our team. If you're passionate about credit risk management and have a strong track record of success, we'd love to hear from you.

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