At a Glance
- Tasks: Evaluate business loan applications and assess risk to support informed lending decisions.
- Company: Join a dynamic B2B fintech lender with a focus on innovation.
- Benefits: Competitive salary, flexible working hours, and opportunities for professional growth.
- Other info: Collaborative team environment with excellent career advancement potential.
- Why this job: Make a real impact by helping businesses secure funding and thrive.
- Qualifications: Strong analytical skills and a passion for finance are essential.
The predicted salary is between 60000 - 80000 £ per year.
We are recruiting for our client who are a B2B fintech lender looking for a Credit Underwriter to join our growing team. In this pivotal role, you will be responsible for evaluating new business loan applications, assessing risk, and supporting informed lending decisions. You will analyse financial information, liaise with internal risk teams where necessary, and contribute to delivering a high-quality underwriting process while maintaining excellent customer service.
Key Responsibilities
- Evaluate the creditworthiness and risk of business loan applications by analysing financial information, including income, business bank statements, HMRC overviews, and contractual agreements.
- Use financial, credit, market, and industry data to assess lending risk and make informed recommendations.
- Speak with applicants by telephone to discuss findings, clarify information, and build a clear understanding of their business and funding requirements.
- Ensure compliance with all relevant lending regulations, internal policies, and underwriting procedures.
- Prepare and present lending recommendations, outlining applicants' financial strengths, weaknesses, and other relevant factors.
- Work closely with Business Development, Broker Management, and other internal teams to obtain information and resolve application queries.
- Deliver excellent customer service.
Credit Analyst employer: CMR Jobs Limited
Join a well-established and growing accountancy practice that values ambition and leadership. As a Client Director, you will thrive in a supportive and collaborative culture, where strong progression and long-term career opportunities await you. With a competitive salary, performance-related bonuses, and the chance to lead a dedicated team while building lasting client relationships, this role offers a meaningful and rewarding career path in a fast-paced environment.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like CMR Jobs Limited. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to CMR Jobs Limited.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on CMR Jobs Limited's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at CMR Jobs Limited
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with CMR Jobs Limited.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at CMR Jobs Limited will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former CMR Jobs Limited employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
