Corporate Credit Analyst

Lloyd Recruitment - Epsom; Epsom; Hybrid; GBP 55,000 - 90,000; Full time

Benefits offered by this job

Pension

Car schemes

Income protection

Holiday

Job summary

Lloyd Recruitment - Epsom is seeking a Corporate Credit Analyst to join an established financial services team on a 12-month fixed term contract with hybrid working (2 days in office, 3 from home).

You will carry out detailed financial analysis, underwriting for corporate clients, and support lending decisions across the group, using Excel, Power BI and other data tools. The role emphasizes risk assessment, governance and proactive process improvement.

Qualifications

• Previous experience of financial analysis and underwriting for corporate customers
• Strong MS Excel skills (VLOOKUP, XLOOKUP, PivotTables)
• Understanding of governance, risk management and appropriate controls

Responsibilities

• Carrying out detailed financial analysis and prepare credit reviews and lending recommendations.
• Review and assess underwriting submissions within delegated authority.
• Analyse MI to identify early warning signals, risk indicators and adverse trends.
• Recommend appropriate review frequencies and stock audit controls.
• Review financial information and escalate concerns where appropriate.
• Ensure relevant processes comply with SOX, Anti-Money Laundering and GDPR requirements.
• Provide guidance and expertise on credit, financial analysis, underwriting and facility approval to colleagues across the business.
• Support the management of funding facilities, current accounts, term loans and mortgages.

Skills

Credit analysis

Underwriting

Excel

XLOOKUP

VLOOKUP

PivotTables

Macros

Power BI

PowerPoint

Tools

Excel

Power BI

PowerPoint

Macros

Job description

Corporate Credit Analyst

Initially being offered as a 12-month Fixed Term Contract

After 1 month of bedding into the role and team, they offer Hybrid working (2 office/3 WFH)

• Pension - upto 6% employee / 15% employer contribution
• Individual and family car schemes
• Group Income Protection
• 25 days holiday + bank holidays

Impressive Eco HO on outskirts of Epsom, with onsite parking, restaurant, gym, active sports and social club. Newly created opportunity with market leading, instantly recognised international brand name.

We are seeking a credit professional with knowledge of corporate financial analysis and underwriting to join this leading local employer.

This position will be a key role in the lending decisions across the group, with funding requests ranging from £250k-250m. Carrying out financial performance analysis, identifying potential risks, providing guidelines and recommendations to substantiate or decline sound lending decisions, and ensure sustainable business growth.

Taking into account the above points, we are therefore seeking someone who can combine strong analytical skills with sound commercial judgement.

Key responsibilities

• Carrying out detailed financial analysis and prepare credit reviews and lending recommendations.
• Review and assess underwriting submissions within delegated authority.
• Analyse MI to identify early warning signals, risk indicators and adverse trends.
• Recommend appropriate review frequencies and stock audit controls.
• Review financial information and escalate concerns where appropriate.
• Ensure relevant processes comply with SOX, Anti-Money Laundering and GDPR requirements.
• Provide guidance and expertise on credit, financial analysis, underwriting and facility approval to colleagues across the business.
• Support the management of funding facilities, current accounts, term loans and mortgages.

Givens

• Previous experience of financial analysis and underwriting for corporate customers
• Strong Microsoft Excel skills, including: VLOOKUPs, XLOOKUPs, PivotTables, Macros
• Basic PowerPoint and Power BI skills.
• Strong problem-solving skills and a proactive approach.
• Confidence to constructively challenge existing processes and ways of working.
• An interest in using technology and data tools to improve analysis and decision-making.
• Strong attention to detail and sound judgement.
• An understanding of the importance of governance, risk management and appropriate controls.