Excel Capital Group
Credit Analyst
Get notified of more jobs like this · No spam, ever
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Credit Analyst – Excel Capital
About Excel Capital
Excel Capital is a business finance firm supporting SMEs with access to a range of funding solutions. We combine technology, financial analysis, and a practical understanding of businesses to help assess funding opportunities efficiently and provide clients with appropriate financing options.
As we continue to grow, we are looking for a Credit Analyst to join our team and play a key role in reviewing and assessing business funding applications.
The Role
As a Credit Analyst, you will be responsible for analysing funding applications and building a clear picture of each business's financial position, affordability, and overall credit risk.
You will review financial information, bank transaction data, and supporting documentation, identify potential risks or inconsistencies, and prepare applications for credit and underwriting decisions.
The role requires strong analytical ability, attention to detail, and the confidence to make well-reasoned credit recommendations while working in a fast-paced environment.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Key Responsibilities
- Review and analyse SME funding applications, including bank statements, financial accounts, and supporting documentation.
- Assess cash flow, revenue trends, existing debt, affordability, and overall credit risk.
- Carry out relevant KYC, verification, and fraud checks and identify any unusual activity or inconsistencies.
- Use platforms such as LendSaaS, Plaid, and other financial-data tools to support credit analysis and application review.
- Prepare clear credit summaries and recommendations, working closely with sales, operations, and underwriting teams.
- Help improve internal credit processes and ensure applications are handled accurately and efficiently.
What We’re Looking For
- Experience in credit analysis, underwriting, business lending, commercial finance, or a similar role.
- Strong understanding of financial statements, bank statements, cash flow, and credit risk.
- Good numerical and analytical skills with strong attention to detail.
- Confidence using Excel and working with financial data.
- Strong written and verbal communication skills.
- Ability to manage multiple applications and work effectively in a fast-paced environment.
Get help with your application
Your very own career expert that helps elevate your application to the next level.
Desirable
- Experience within unsecured SME lending, working-capital finance, merchant cash advances, or alternative business finance would be particularly useful, as would previous exposure to open-banking data or lending platforms.
Why Excel Capital?
You will join a growing team where you will have meaningful involvement in the credit process and the opportunity to work directly with real SME funding applications from an early stage.
The role offers exposure across credit analysis, underwriting, financial technology, and SME lending, with the opportunity to take on greater responsibility as the business continues to grow.
We are looking for someone who is analytical, commercially minded, and interested in building a long-term career within business finance.
If this sounds like you, we’d like to hear from you.
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Location