Credit Risk Analyst

The role is for a Credit Risk Analyst and will report to the Senior Credit Risk Manager. The successful candidate will support the Senior Credit Risk Manager in day-to-day credit underwriting and credit assessment duties.

 

Key Responsibilities:  

  • First line of credit sanctioning, taking responsibility for collating data, assessing information, and recommending credit facilities
  • Manage a portfolio of SME clients from a risk management perspective
  • Analyse credit data and bank statements to determine the degree of risk involved in extending credit or lending money to a client
  • Generate risk rating outputs using standard templates, and to evaluate customers’ financial status
  • Prepare credit applications and submit to sanctioning authority for approval
  • Evaluate customer records on an ongoing basis, and review client files to identify and manage accounts showing signs of distress
  • Work with the wider business and the development team to improve the collation of data, risk assessment tools, and process improvements
  • Continually assess the clients’ ongoing creditworthiness
  • Contribute towards the strategic development of the business, and in particular the Credit Management function
  • Contribute to the wider management of the business

 

Skills and Attributes:

  • Over 2 years of experience in commercial loan underwriting, credit sanctioning or credit analysis within the UK SME sector
  • Strong business acumen with a clear understanding of the risk and revenue factors that influence creditworthiness
  • Confident in interpreting and analysing financial statements
  • Experience working with Open Banking data
  • Self-motivated and adaptable, with the ability to work effectively in a fast-paced and changing environment
  • Excellent communication skills with regular customer contact and close collaboration with other teams
  • Analytical mindset with a practical approach to problem solving, offering scalable solutions and suggesting process improvements
  • Negotiate effectively with a range of stakeholders

 

How to Apply:

Please submit your resume detailing your relevant experience or send your CV and cover letter to jobs@multifi.co.uk

multifi is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Know someone perfect for this role? Share it on social.
Facebook
Twitter
LinkedIn

Our comprehensive benefits package aims to enhance well-being and job satisfaction.

Competitive Compensation

We offer a competitive salary that reflects your skills and contributions you bring to the organisation.

 
Pension Matching

Plan for your future with our pension matching program (up to 5% with  Salary Sacrifice). Our work place pension is provided by Royal London, allowing you to save for retirement with ease.

 
Generous Paid Time Off

Enjoy a generous annual leave of 25 days to relax, recharge, and spend quality time with loved ones. This is in addition to the standard UK bank holidays.

 
Health Care Coverage

Prioritize your health and well-being with our robust health care coverage provided by Aviva.

 
Death in Service Cover

Provide financial security for your loved ones with our Death in Service cover, equivalent to 4 times your annual salary.

 
Income Protection for Critical Illness

Receive peace of mind knowing that you are covered in the event of a critical illness, safeguarding your income.

 
Flexible Working Options

Achieve a work-life balance that suits your needs with our flexible working arrangements. We believe these benefits contribute to a positive and supportive work environment, promoting your overall well-being and success within our organization. Further details on all the benefits list above can be provided on request.