At a Glance
- Tasks: Conduct credit assessments and analyse financial data for SME lending applications.
- Company: Join a dynamic, early-stage SME lending business with ambitious growth plans.
- Benefits: Competitive salary, hybrid work model, and the chance to shape a new lending platform.
- Other info: Unique opportunity to join at the founding stage and drive business success.
- Why this job: Make a real impact by influencing credit policies and processes from day one.
- Qualifications: Strong financial analysis skills and sound commercial judgement required.
The predicted salary is between 100000 - 120000 £ per year.
Location: London (Hybrid - 3-4 days in office)
Employment Type: Full-Time or Contract to Perm
Permanent Salary: 100k+ or £500pd inside IR35
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:
- 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.
- 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.
- Review bank statements and supporting documentation to validate financial data.
Credit Decisioning
Credit Analyst employer: Harvey Nash
Join a dynamic and innovative SME lending business in London, where you will have the unique opportunity to shape the credit function from the ground up. With a strong focus on employee growth and a collaborative work culture, this role offers competitive compensation and the chance to make a meaningful impact in providing responsible funding solutions to underserved businesses. Experience a hybrid work environment that promotes flexibility while being part of a passionate team dedicated to building a high-quality loan book.
