Senior Credit Analyst UK
Sat, 14 Jan 2017 04:07:31 GMT
We are looking for a Credit Analyst for the UK market. This is a key function at Spotcap as one of the leading financial services scale-ups. In this role you will manage a book of loan applications, and utilize and further develop your functional expertise in credit analysis by learning from an experienced risk team.
In this role you will be...
Analyzing clients’ creditworthiness, processing lending activities, verifying information on clients’ applications and evaluating fraud risk.
Ensuring timely and efficient booking of new borrowings, increases, rollovers, pay downs, commitment reductions, etc.
Exercising individually assigned lending authority to underwrite in accordance to Spotcap’s credit policy and guidelines.
Determining terms and acceptability of risk of prospect business applicants with thorough review of all information required for specific business applicant requests.
Mentoring and training of junior credit analysts and interns.
Contributing to an organization that understands customer value and focuses its key processes to continuously increase it.
Learning from an international team of specialist and contributing and leading projects.
Supporting Spotcap’s international expansion by making meaningful lending decisions to SME companies.
Working at Spotcap means you will benefit from the following:
Be part of a dynamic, driven and very international team across five countries, with a fantastic workplace in the heart of Berlin.
A business laptop, competitive salary, and private health care
A challenging full-time role at the forefront of the booming FinTech industry with Spotcap having already been awarded numerous accolades in that space.
A start-up atmosphere in an established company environment with flat hierarchies where you’ll be expected and encouraged to contribute your ideas.
Strong career progression and opportunity to grow with the business.
A strong team culture with regular social events, tech talks, training sessions and team meetings. Qualifications
At least 3+ years’ experience in a financial services credit underwriting, credit analyst and/or loan operations role in which you were responsible for taking application level approval and decline decisions.
Experience in the SME sector is preferred, however experience within the consumer, commercial, or mortgage sector is also interesting for us.
Bachelor/master degree in business, finance, economics, mathematics or a related numerical subject.
Sound understanding of financial ratios, credit reporting agency data, and experience in analyzing financial statements.
A sound understanding of UK credit bureau data and ancillary sources.
Strong analytical capabilities and excellent Excel skills.
A reliable individual with great attention to detail.
Ability to communicate well within an (international) team environment.
A team player with an ability to work independently and contribute to the team at the same time.
Strong English language skills.