Corporate Credit Analyst

Sanderson; Burgh Heath; On-site; GBP 42,000 - 64,000; Full time

Job summary

Sanderson in the United Kingdom is seeking a Corporate Credit Analyst to perform financial analysis, underwriting reviews and risk assessment for lending proposals. You will contribute to credit reviews and recommendations for approval by authorities and support management information updates.

You will use Excel, Power BI and other data tools to identify trends, monitor risk indicators and ensure compliance with SOX, AML and GDPR requirements.

Qualifications

• Previous experience of financial analysis and underwriting for corporate customers.
• Ability to analyse data, identify trends and draw clear conclusions.
• Good understanding of Microsoft Office products, specifically Excel, including VLOOKUPs, XLOOKUPs, pivot tables and macros.

Responsibilities

• Provide a high standard of financial analysis preparing credit reviews and make recommendations for lending for submission and approval by relevant authorities.
• Recommend frequency of future reviews and stock audit controls through our clearly defined grading structure.
• Demonstrate knowledge and understanding when reviewing and approving underwriting submissions at the appropriate authority level.
• Manage the update of Management Information reviewing Management Information for early warning signals, risk indicators & adverse trends, utilising excel skills and escalating issues as appropriate.
• Assist in the management of credit related and underwriting policies and procedures, ensuring they are maintained and comply with SOX, Money Laundering and GDPR requirements.
• Demonstrate knowledge and understanding in matters relating to credit, financial analysis, underwriting and facility approval or financial by acting as a reference point for relevant departments and colleagues.
• Assist in managing the parameters and security of Dealer funding instruments, across various product ranges including new car funding, used car funding, current account, demonstrator facilities, term loans and mortgages.
• Take ownership and responsibility for ensuring performance against published service standards.

Skills

Financial analysis

Underwriting

Data analysis

MS Excel

Tools

Excel

Power BI

PowerPoint

Pivot tables

Macros

VLOOKUPs/XLOOKUPs

Job description

• Provide a high standard of financial analysis preparing credit reviews and make recommendations for lending for submission and approval by relevant authorities.
• Recommend frequency of future reviews and stock audit controls through our clearly defined grading structure.
• Demonstrate knowledge and understanding when reviewing and approving underwriting submissions at the appropriate authority level.
• Manage the update of Management Information reviewing Management Information for early warning signals, risk indicators & adverse trends, utilising excel skills and escalating issues as appropriate.
• Assist in the management of credit related and underwriting policies and procedures, ensuring they are maintained and comply with SOX, Money Laundering and GDPR requirements.
• Demonstrate knowledge and understanding in matters relating to credit, financial analysis, underwriting and facility approval or financial by acting as a reference point for relevant departments and colleagues.
• Assist in managing the parameters and security of Dealer funding instruments, across various product ranges including new car funding, used car funding, current account, demonstrator facilities, term loans and mortgages.
• Take ownership and responsibility for ensuring performance against published service standards.

How you could stretch this role:

• Question and challenge how things are done to initiate improvements in business operations.
• Bring fresh ideas and make recommendations for change.
• Show a strong interest in continuous improvement, actively identifying opportunities to simplify processes, improve efficiency and enhance the quality of credit outputs.
• Explore how data and automation can be used responsibly to improve insight, reduce manual activity and support better decision-making across Corporate Credit.
• Shadow the Corporate Credit Team Manager in documenting and distributing minutes.
• Get involved in ad-hoc projects and wider business initiatives.

Experience you’ll gain:

• Development of soft skills for effective stakeholder communication, including conflict resolution and negotiation skills.
• Building key transferrable skills that will support future career development.
• Developing hands‑on experience in corporate credit analysis, underwriting and risk assessment.
• Building experience across a broad range of lending proposals, customer types and stakeholder groups, giving exposure to both operational and strategic credit risk management.
• Developing time management skills required to complete work within agreed timeframes.
• Flexible and agile working methods.
• Opportunity to progress through underwriting authority levels as your knowledge and confidence grow.

How we’ll support you:

• Provide a great learning opportunity to develop the core skills required to excel in the role.
• Give you the space and opportunity to be your whole self at work.
• Foster a learning culture, providing you with clear and constructive feedback, and encouraging you to do the same.

As a manager

• Regular 1:1’s to provide direction and guidance
• Clear objective setting via our performance management process
• On-going coaching as required.
• Always available for support as needed.

Key Experience & Skills:

• Previous experience of financial analysis and underwriting for corporate customers.
• Ability to analyse data, identify trends and draw clear conclusions.
• Good understanding of Microsoft Office products, specifically Excel, including VLOOKUPs, XLOOKUPs, pivot tables and macros.
• Basic PowerPoint and Power BI skills.
• Curiosity and enthusiasm for using technology and data tools to improve analysis, identify trends and support continuous improvement.

Attributes & Behaviours

• Excellent verbal and written communication skills.
• Keen problem solver with a proactive and curious approach.
• Numerate with an aptitude for working with figures and data.
• Capable of building strong working relationships and liaising with all levels of staff, management and external customers.
• Comfortable challenging existing ways of working in a constructive way.
• Strong continuous improvement mindset, with an interest in finding smarter, simpler and more effective ways to deliver high-quality outcomes.
• Open to learning and experimenting with new tools, while applying sound judgement and appropriate governance.