Corporate Credit Analyst

• Provide a high standard of financial analysis preparing credit reviews and make recommendations for lending for submission and approval by relevant authorities.
• Recommend frequency of future reviews and stock audit controls through our clearly defined grading structure.
• Demonstrate knowledge and understanding when reviewing and approving underwriting submissions at the appropriate authority level.
• Manage the update of Management Information reviewing Management Information for early warning signals, risk indicators & adverse trends, utilising excel skills and escalating issues as appropriate.
• Assist in the management of credit related and underwriting policies and procedures, ensuring they are maintained and comply with SOX, Money Laundering and GDPR requirements.
• Demonstrate knowledge and understanding in matters relating to credit, financial analysis, underwriting and facility approval or financial by acting as a reference point for relevant departments and colleagues.
• Assist in managing the parameters and security of Dealer funding instruments, across various product ranges including new car funding, used car funding, current account, demonstrator facilities, term loans and mortgages.
• Take ownership and responsibility for ensuring performance against published service standards.

How you could stretch this role:

• Question and challenge how things are done to initiate improvements in business operations.
• Bring fresh ideas and make recommendations for change.
• Show a strong interest in continuous improvement, actively identifying opportunities to simplify processes, improve efficiency and enhance the quality of credit outputs.
• Explore how data and automation can be used responsibly to improve insight, reduce manual activity and support better decision-making across Corporate Credit.
• Shadow the Corporate Credit Team Manager in documenting and distributing minutes.
• Get involved in ad-hoc projects and wider business initiatives.

Experience you’ll gain:

• Development of soft skills for effective stakeholder communication, including conflict resolution and negotiation skills.
• Building key transferrable skills that will support future career development.
• Developing hands‑on experience in corporate credit analysis, underwriting and risk assessment.
• Building experience across a broad range of lending proposals, customer types and stakeholder groups, giving exposure to both operational and strategic credit risk management.
• Developing time management skills required to complete work within agreed timeframes.
• Flexible and agile working methods.
• Opportunity to progress through underwriting authority levels as your knowledge and confidence grow.

How we’ll support you:

• Provide a great learning opportunity to develop the core skills required to excel in the role.
• Give you the space and opportunity to be your whole self at work.
• Foster a learning culture, providing you with clear and constructive feedback, and encouraging you to do the same.

As a manager

• Regular 1:1’s to provide direction and guidance
• Clear objective setting via our performance management process
• On-going coaching as required.
• Always available for support as needed.

Key Experience & Skills:

• Previous experience of financial analysis and underwriting for corporate customers.
• Ability to analyse data, identify trends and draw clear conclusions.
• Good understanding of Microsoft Office products, specifically Excel, including VLOOKUPs, XLOOKUPs, pivot tables and macros.
• Basic PowerPoint and Power BI skills.
• Curiosity and enthusiasm for using technology and data tools to improve analysis, identify trends and support continuous improvement.

Attributes & Behaviours

• Excellent verbal and written communication skills.
• Keen problem solver with a proactive and curious approach.
• Numerate with an aptitude for working with figures and data.
• Capable of building strong working relationships and liaising with all levels of staff, management and external customers.
• Comfortable challenging existing ways of working in a constructive way.
• Strong continuous improvement mindset, with an interest in finding smarter, simpler and more effective ways to deliver high-quality outcomes.
• Open to learning and experimenting with new tools, while applying sound judgement and appropriate governance.