Credit Analyst

Credit4 is a fast-growing lender helping UK SMEs access the flexible working capital they need to grow. Since 2013, we’ve lent tens of millions of pounds using a human-led, relationship-driven approach.

We’re now looking for a bright, commercially minded Credit Analyst to join our office-based team in Monument (City of London). This is a great opportunity for an outstanding graduate who wants to build a career in commercial finance, credit and lending - learning from an experienced team and getting exposure to real UK businesses from day one.

What You’ll Do:

• Sit at the intersection of our Sales and Underwriting teams, helping prepare opportunities before they progress to sales calls and full credit assessment.
• Carry out initial pre-screening and eligibility checks on prospective borrowers.
• Analyse financial accounts, bank statements and other financial information to understand business performance and affordability.
• Combine quantitative analysis with qualitative assessment to build a clear picture of each business.
• Identify key trends, risks and areas that need further investigation.
• Prepare concise analysis and insights for the Sales team ahead of conversations with prospective borrowers.
• Work closely with Sales and Underwriting to help applications move efficiently through the lending process.
• Develop your understanding of SME credit, financial analysis and commercial lending from the ground up.

What You’ll Bring:

• An excellent academic background, ideally with a degree in Accounting & Finance, Finance, Economics, Statistics, Mathematics, Business Management or another numerate discipline.
• Strong numerical and analytical ability, with a genuine interest in understanding how businesses work.
• Intermediate to advanced Excel skills and confidence working with financial data.
• An ability to look beyond the headline numbers and ask the right questions.
• Strong attention to detail without losing sight of the bigger commercial picture.
• Clear written and verbal communication skills.
• Curious, organised and keen to learn in a fast-moving environment.
• Previous financial services experience is welcome, but not essential - aptitude, attitude and analytical ability matter more.
• Able to commute to Monument, London - this is a full-time, 5-days-a-week office-based role.

What You’ll Get:

• Competitive salary based on experience.
• Hands-on training and exposure to experienced lending professionals.
• A non-corporate, friendly and supportive team.
• Real responsibility and exposure to SME lending from the outset.
• Clear opportunity to develop into Credit, Underwriting or other areas of Commercial Finance as you progress.
• The opportunity to help shape the future of a growing SME lender.

If you’re an ambitious graduate who enjoys working with numbers but also wants to understand the businesses and people behind them, we’d love to hear from you.