Credit Analyst

Recruitment Solutions (North West) Ltd; Rochdale; On-site; GBP 32,000 - 42,000; Full time

Benefits offered by this job

Competitive salary

Excellent benefits package

Career development opportunities

Supportive working environment

Full training and professional dev.

Job summary

We are looking for a Credit Analyst to join our Client's expanding Finance Team. You’ll assess credit applications, review financial information and determine creditworthiness, performing checks and analyses to support credit decisions.

You’ll produce regular credit risk reports, maintain records, monitor accounts for risk, and collaborate with stakeholders. The role requires strong Excel skills, attention to detail and the ability to present data clearly.

Qualifications

• Experience in Credit Risk or credit analysis.
• Excellent numerical and analytical skills.
• Strong Excel and data presentation abilities.
• Good communication and organizational skills.

Responsibilities

• Assess credit applications and determine creditworthiness.
• Conduct credit checks and analyse financial data.
• Make recommendations on limits and terms per policy.
• Monitor existing accounts for potential credit risks.
• Prepare credit risk reports for management.
• Maintain accurate records of assessments and decisions.
• Support finance with ad-hoc credit-related analysis.

Skills

Credit risk analysis

Analytical skills

Numerical skills

Excel proficiency

Data presentation

Communication skills

Time management

Commercial awareness

Credit reference tools

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