Evaluate credit applications – using our cutting-edge tech platform, you will be analysing data from bank statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions.
Analyse credit data and other data sources to determine the level of risk involved in lending.
Conduct thorough due diligence to ensure affordability of credit in line with internal policy.
Understand and accurately capture the specific revenue and risk drivers for SMEs.
Be responsible for making lending decisions independently.
Be actively involved in improving the decision making framework, through developments to our systems and processes.
Communicate effectively with our Account Management and Operations teams to ensure customer needs are met at all times - Account Managers act as “customer champions” and you’ll work with them to ensure we do our best to meet our customer’s needs.
Work closely with the Data team to improve scoring systems to enable us to make better, faster and fairer decisions.
Experience in commercial loan underwriting, credit sanctioning or credit analysis, preferably within the SME sector or alternative lending.
Strong business acumen and a working understanding of what makes a good business good, so you can quickly identify the key drivers behind an application.
A good understanding of how businesses operate, including their main risk and revenue drivers.
An analytical mindset with a practical approach to problem solving.
A confident and enthusiastic attitude that works well in a regularly changing and fast paced environment.
Excellent communication skills.
The ability to come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve our efficiency.