Harrington Starr
Senior Credit Analyst
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Senior Credit Analyst / Credit Analyst – SME Lending
We are working with an innovative and fast-growing lending business that is looking for a driven Senior Credit Analyst / Credit Analyst to join its Risk team. This is an exciting opportunity for someone who enjoys having real ownership over credit decisions and wants to play a key role in shaping the systems, processes, and frameworks behind them.
The Role
As a Senior Credit Analyst / Credit Analyst, you will:
- Independently manage end-to-end underwriting assessments for SME lending applications.
- Analyse financial information, business performance, and credit risk factors to make informed lending decisions.
- Apply strong commercial judgement when assessing borrower risk.
- Support the development and optimisation of underwriting processes, credit policies, and risk assessment frameworks.
- Help transform manual processes into scalable and efficient solutions.
- Monitor existing lending portfolios and identify early warning indicators of increased risk.
- Work closely with Data, Product, Operations, and Commercial teams to improve lending decisions and customer outcomes.
- Provide insight and feedback to support the development of credit models and automated decision-making tools.
- Contribute to portfolio reporting and ongoing risk management.
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About You
You will have:
- 3–5 years’ experience in credit analysis, underwriting, or lending risk.
- Experience assessing SME lending applications or commercial credit risk.
- Strong understanding of financial statements, credit risk metrics, and lending methodologies.
- The ability to make independent decisions and manage complex assessments with minimal supervision.
- A proactive mindset with strong attention to detail and a desire to improve processes.
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Desirable Experience
It would be advantageous if you have experience with:
- Credit policy development.
- Credit scorecards or risk models.
- Portfolio monitoring frameworks.
- Data analysis tools such as SQL or advanced Excel modeling.
- Working within a fintech, banking, or fast-growth lending environment.
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