Credit Analyst

Recruitment Solutions (North West) Ltd; Lancashire; On-site; GBP 32,000 - 45,000; Full time

Benefits offered by this job

Competitive salary

Excellent benefits package

Career development opportunities

Supportive and collaborative team

Full training and ongoing professional

Job summary

Recruitment Solutions (North West) Ltd is seeking a Credit Analyst to join our Finance Team. You will assess new and existing credit applications, conduct credit checks and analyse financial data to determine creditworthiness, while maintaining accurate records.

You will provide recommendations on credit limits and terms, monitor accounts for risk, and produce regular credit risk reports for management. A strong analytical mindset and Excel proficiency are essential for success.

Qualifications

• Experience in Credit Risk, Credit Analysis, Finance or similar analytical role.
• Strong analytical and numerical skills with attention to detail.
• Ability to assess financial information and make evidence-based decisions.
• Comfort with presenting data clearly using Excel or similar tools.

Responsibilities

• Assess new and existing credit applications to determine creditworthiness.
• Conduct credit checks and analyze financial data, payment history and related info.
• Recommend credit limits and terms aligned with company policy.
• Monitor accounts for potential credit risks or changes in circumstances.
• Provide clear feedback and recommendations to internal stakeholders on credit decisions.
• Prepare regular credit risk reports and analyses for management.
• Maintain accurate records of credit assessments and decisions.
• Identify trends and risks within the customer portfolio.
• Support the Finance Team with ad-hoc credit analysis projects.
• Ensure all credit decisions comply with internal procedures and regulations.

Skills

Analytical thinking

Attention to detail

Excel proficiency

Communication skills

Numerical skills

Tools

Excel

Job description

We are looking for a Credit Analyst to join our Client in their expanding and well-regarded Finance Team.

What You'll Be Doing:

• Assessing new and existing customer credit applications and reviewing financial information to determine creditworthiness
• Conducting credit checks and analysing customer financial data, payment history and other relevant information
• Making informed recommendations on credit limits and terms in line with company policies
• Monitoring existing customer accounts and identifying potential credit risks or changes in financial circumstances
• Providing clear feedback and recommendations to internal stakeholders regarding credit decisions
• Producing regular credit risk reports and analysis for management
• Maintaining accurate records of credit assessments, decisions and supporting information
• Identifying trends and potential areas of risk within the customer portfolio
• Supporting the wider Finance Team with ad-hoc analysis and credit-related projects
• Ensuring all credit decisions are made in accordance with internal procedures and relevant regulations

What We're Looking For:

• Previous experience within a Credit Risk, Credit Analysis, Finance or similar analytical role
• Strong analytical and numerical skills with excellent attention to detail
• Experience assessing financial information and making evidence-based decisions
• Good working knowledge of Excel and the ability to analyse and present data effectively
• Strong communication skills with the ability to provide clear and concise feedback
• Excellent organisational skills and the ability to manage multiple priorities
• A commercially aware approach with the confidence to challenge and make recommendations
• Ideally, experience using credit reference agencies, credit scoring systems or financial risk assessment tools

Benefits on Offer:

• Competitive salary
• Excellent benefits package
• Opportunities for career development and progression
• Supportive and collaborative working environment
• Full training and ongoing professional development

Reference No.

CRACL