At a Glance
- Tasks: Conduct credit assessments and analyse financial data for SME lending applications.
- Company: Exciting start-up in the SME lending space with ambitious growth plans.
- Benefits: Competitive salary, bonuses, equity participation, and hybrid work model.
- Other info: Unique opportunity for career growth in a dynamic and supportive environment.
- Why this job: Join a founding team and shape the future of SME lending from day one.
- Qualifications: Strong financial analysis skills and sound commercial judgement required.
The predicted salary is between 50000 - 65000 £ per year.
Confidential Client | SME Lending / Alternative Finance (Start-Up)
Location: London (Hybrid - 3-4 days in office)
Employment Type: Full-Time, Permanent
Salary: Competitive + Bonus + Equity Participation
About the Business
Our client is a well-funded, early-stage SME lending business with ambitious plans to build a high-quality UK loan book from the ground up. Backed by experienced entrepreneurs with a strong track record of building and scaling successful businesses, the firm is focused on providing fast, flexible, and responsible funding solutions to underserved small and medium-sized enterprises. With an initial loan book of approximately £2m and clear plans to scale significantly over the coming years, this is a unique opportunity to join at founding stage and play a key role in shaping the credit function, underwriting standards, and risk framework of a growing lending platform.
The Opportunity
The SME Credit Analyst will take ownership of end-to-end credit assessment for SME lending applications. This is a hands-on underwriting role requiring strong financial analysis skills, sound commercial judgement, and the ability to make well-reasoned lending recommendations. You will work closely with the founding team to evaluate borrower risk, structure lending facilities, and help define credit policies and processes as the business scales. This is a rare opportunity to have direct influence on how a lending business is built and operated from day one.
Key Responsibilities
- Credit Underwriting & Analysis
- Conduct full credit assessments of SME loan applications.
- Analyse financial statements, management accounts, and cash flow information.
- Assess affordability, repayment capacity, and overall business viability.
- Evaluate sector risks, market conditions, and borrower-specific factors.
- Assign credit risk ratings and recommend appropriate lending structures.
- Financial Analysis
- Spread and normalise financial accounts, identifying key trends and risks.
- Build and interpret cash flow models, including stress testing scenarios.
- Analyse working capital cycles, liquidity positions, and seasonal fluctuations.
Credit Analyst SME in London employer: Harvey Nash Group
Join a dynamic and innovative start-up in the heart of London, where you will have the unique opportunity to shape the future of SME lending. Our company fosters a collaborative work culture that values creativity and initiative, offering competitive salaries, bonuses, and equity participation. With a strong focus on employee growth and development, you will be empowered to make impactful decisions and contribute to building a responsible funding solution for underserved businesses.
