Senior Credit Analyst – Secured Lending

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    Credit Risk & Analytics

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  • Published:

    over 1 year ago

Job Title: Senior Credit Analyst – Secured Lending

Job Description:  

Merje are partnered with a fast growing FinTech based in the heart of London, and it’s an exciting time to join their team! They can offer a supportive, driven culture and a great team with a good mix of talent and experience. A dynamic environment in which you can personally learn and develop and the opportunity to have strong involvement in shaping a young FinTech from its early days. If that wasn’t enough they also have a super cool office in the heart of London with team drinks, lunches and free snacks!

If you are a passionate professional who has what it takes to flourish in a fast paced, evolving environment then we would love to hear from you.

Your new role:

You’ll be right in the heart of the action. We’re looking for a driven, detail oriented person that will ensure our client can meet their ambitious growth plans.

Day to day you will be loan processing, and you will have the following responsibilities

  • Ensure efficient, world-class processing of the credit underwriting of loan cases
  •  Analyse and verify income sources, bank statements and credit commitments
  • Work with an ambitious Growth team and customers directly to ensure that cases are underwritten based on full information
  • Structure, negotiate and analyse proposals for approval under own authority.
  • Process complex, non-standard cases
  • Refine underwriting practises
  • Contribute to best practices for underwriting
  • Work with the Product team to improve and automate underwriting processes
  • Suggest new features to be added to the loan underwriting models

•     Produce analysis and associated reports on credit analysis topics such as portfolio analytics, customer segmentation and pricing.

•     Build dashboards and KPI’s to set a departmental standard

•     Support scorecard development and associated analytics

•     Support risk modelling and associated analytics

•     Work with CRO / CEO / CFO  to support the development of the Risk appetite giving associate level insights

•     Work with and build relationships with the credit bureau to support analysis

•     Act as an advocate for the Credit & Risk function as the business grows.

Our Ideal candidate will have the following:

•     Mortgage/business underwriting experience (3+ years)

•     Experienced in communicating with brokers and/or consumers

•     (Ideally) CeMAP certified

•     Experience of coaching and developing a team

•     Start-up experience or capability to work in fast-paced environment

Please note, should you not receive feedback within 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities