Credit Analyst

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Location: Edinburgh (hybrid)

LendingCrowd is a leading fintech business, shaping the way SMEs borrow money. Blending the latest cutting-edge technology with financial experience and backing, we have developed a scalable lending platform that provides an attractive alternative to the current limitations of business borrowing – we encourage people to think outside the bank!

Founded in 2014 and born out of Edinburgh’s vibrant and growing fintech scene, LendingCrowd has driven over £275m in lending to small businesses, including a significant share of lending to businesses in Scotland. LendingCrowd is positioned to become the trusted choice for SME financing, with a culture of ‘doing the right thing’ at the core of our purpose.

We actively encourage the generation and development of ideas from all team members to grow the business. We offer hybrid working and have our office in central Edinburgh.

The Role

As a key part of our expansion, we are looking for a dynamic individual with a growth mindset to join our Credit Underwriting & Lending Operations team. This is an exciting time in the evolution of our business as we seek to build on and embed our position as a quality provider of debt to UK SMEs.

Reporting to our Lending Operations Team Leader, your focus will be on assisting with the end-to-end processing of credit decisions, from carrying out initial checks on borrower applications through to the preparation of loan and security documentation.

Responsibilities

Completing initial checks on borrower applications to establish eligibility and early-stage creditworthiness
Accurately reporting on findings following investigations of credit applications
Monitoring, filing and reporting on all internal and external paperwork received for the Credit Team
Assisting in day-to-day tasks to ensure that SLAs are delivered within the Credit Team
Preparing all loan and security documentation, including registering appropriate documents with Companies House
Contributing to improvements to processes and policy that balance risk with customer service
Managing and building internal relationships with key functions within the business
Assisting the Credit Quality Assurance Manager in the completion of Peer Review Assurance Testing
Attending the Executive Credit Committee as an observer

Skills and Experience

In terms of skills and experience, we would expect you to display:

A drive to provide quality output as part of a high-performing team within a volume lending environment
The ability to meet deadlines and understand changing priorities throughout the month
Experience of working within a regulated financial services environment

It would also be beneficial if you have experience of:

Preparing loan documentation within a financial services environment
Completing and analysing credit reference agency reports
Reviewing bank statements to analyse for specific fraudulent activity
Conducting and completing Anti Money Laundering and Know Your Customer checks on borrowers

Opportunities for further development

Contributing to the continued development of credit policy, lending parameters and product criteria
Supporting the Origination Team with the delivery of strategic projects

We sponsor team members through Chartered Banker Institute qualifications to ensure that they build a career at LendingCrowd beyond the role.

Come join us and be part of our success story! To apply for this role, email your CV to careers@lendingcrowd.com