Credit Risk Analyst

Shape Decisions. Influence Outcomes. Drive Growth.

A well‑established and fast‑growing UK commercial finance brokerage is expanding its Credit Placement Team
. With deep lender relationships, an excellent market reputation, and a clear ambition to become a genuine one‑stop shop for commercial finance, this is an exciting time to join the business.

If you enjoy making commercially intelligent credit decisions, negotiating with lenders, and improving deal quality and acceptance rates, this role offers real impact and visibility.

As a Credit Placement Analyst
, you’ll sit at the heart of the deal process — turning packaged proposals into successful completions.

You’ll focus on what truly adds value:

• ✔ Smart credit assessment
• ✔ Strategic lender selection
• ✔ Negotiation and positioning
• ✔ Improving approval rates

With administrative support in place, your time will be spent where your judgement matters most.

• Assess and sense‑check packaged financial proposals for structure, affordability and credit strength
• Select the most appropriate lender based on appetite, policy, pricing and approval probability
• Refine and reposition deals to maximise acceptance and commercial outcomes
• Liaise directly with lenders to present cases, resolve queries, challenge decisions and negotiate terms
• Balance deal flow across the lender panel to protect long‑term relationships and pricing
• Provide constructive feedback to sales teams to improve deal quality
• Maintain accurate CRM and credit system records (with lower‑value admin delegated appropriately)
• Support internal communication of lender programmes and credit policy updates

• Experience in credit placement, underwriting or credit analysis within asset finance, commercial lending, unsecured business lending or similar
• Confidence making balanced, well‑reasoned decisions under pressure
• Strong commercial judgement with the ability to challenge constructively
• Excellent attention to detail and disciplined system usage
• Ability to interpret financial accounts, management information, forecasts and bank statements
• Strong Excel and data handling skills
• Pragmatic and organised — focused on high‑value decision‑making
• Relationship‑driven with a strong sense of reputation and service