Innovate UK
Senior Credit Analyst
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Senior Credit Analyst
Senior Credit Analyst
Application Deadline Applications must be submitted by 17-07-2026 (by 23:59 on 16 July 2026). Watch “Why Join Innovate UK?” here.
Opportunity Overview Innovate UK Business Connect (now partnering with UK Research and Innovation) seeks a Senior Credit Analyst on secondment for 23 months. This is a fixed-term position working within a remote/a national travel-based team to support assessments of high-risk loans.
Role Details
- Band: UKRI Band E (terms and conditions apply)
- Salary: £46,743 gross per annum
- Reports to: Head of Credit
- Location: Field-based (flexible travel, telepresence for meetings)
- Contract: Fixed Term (23 months)
Purpose You will support Credit Specialists and Relationship Managers in evaluating new loan applicants and managing high-risk portfolios. Subject to experience, you may take ownership of independent caseloads. Women are strongly encouraged.
Key Responsibilities
Origination & Review (with Credit Specialist)
- Analyze financial and non-financial information (audited accounts, signals intelligence) for loan applicants, including sensitivity/cashflow/budget tests.
- Engage with applicants to validate documentation and gather additional details.
- Contribute to transaction-level sensitivity analyses and prepare recommendations for the IUKL Credit Committee.
- Oversee credit governance: file maintenance, minute-taking, and regulatory documentation.
- Collaborate with Operations to ensure smooth transition of approved loans (legal checks, condition tracking).
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Portfolio Management
- Work with Relationship Managers, carrying out annual risk reviews, covenant adherence monitoring, and early-debt-distress interventions.
- Share insights in proactive reports to stakeholders.
Development
- Pursue continuous professional development and contribute expertise across projects.
Person Specification
Experience & Qualifications
Essential
- Degree or equivalent rigorous experience, or relevant professional qualification (credit/finance/business focus).
- Proven ability to interpret business health, using:
- Sensitivity/stress testing
- Balance sheets, cashflow/mgmt accounts analysis
- Key performance indicators.
Desirable
- Financial sector experience (banking/alternative lending) or subject-matter expertise.
Skills & Competencies
- Strong data-sourcing + evidence presentation: reports, visualisations, oral briefings.
- Relationship management: set clear expectations with clients/applicants.
- Experienced Stakeholder Engagement:
- Analytical decision-making
- Strategic thinking with intellect-driven solutions
- Commitment to organisational alignment + agility.
Core Competencies (aligned with Innovate UK’s framework):
🔹 Thinking & Problem Solving 🔹 Stakeholder Management 🔹 Communication (especially for cross-functional points) 🔹 Influencing 🔹 Self-awareness/self-management 🔹 Strategic Awareness 🔹 Teamwork/Emotional Intelligence 🔹 Project Delivery
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Travel & Environment
- Field based (UK-footprint, hinged on project demands). Technology assists timeliness.
- Limited Swindon (Polaris House) parking. Alternative arrangements to be discussed.
Diversity, Inclusion & Equal Opportunity
Innovate UK/UKRI is a Disability Confident Employer (Level 2) with equal-opportunity commitments: 🔸 No Barriers: Reasonable adjustments supported for fairness. Accessibility codes/components available if needed. 🔸 Diverse Workforce: Individuals’ backgrounds are valued—they need not harm team cohesion. 🔸 Awareness: Recognize overlaps with research ethics (e.g., innovation consistency). Applicants should find alignment.
Roles across UKRI may touch global research ethics terrain (animal health/modgen ethics)—apotony ensures domestic consistency.
Benefits & Considerations
Core Entitlements (durable standard):
✔ Leave: 30 days annual + 10 public holidays* ✔ Pension scheme: Defined-benefit, premium contributions. ✔ Flexible hours; remote-first sentiments, adjusted if possible. ✔ Extensive paid networks (advisory schemes).
Security: UKRI vets all job candidates as part of recruitment* (may require screening clearance throughout).
Secondment Context:
- If offered: only seconded if local manager approves; employees return to original team thereafter.
*Applications closing Friday 17 July, 2026.
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