Credit Analyst - Placement Year

BMW Group; United Kingdom; On-site; GBP 22,000 - 28,000; Full time

Benefits offered by this job

Great pay and pension scheme

On-site restaurant subsidy

Advantages scheme and discounts

Job summary

BMW Financial Services, Farnborough, is seeking a Credit Analyst intern for a placement year starting July 2027. The role focuses on prudent lending decisions, monitoring, and ensuring compliance with credit policies while supporting growth in the commercial finance portfolio.

You will interpret financial data, prepare reports with lending recommendations, and build relationships with customers and internal teams. The program emphasizes sustainability and professional development.

Qualifications

• Interpret financial information and KPIs to balance risk and reward.
• Prepare credit reports with lending recommendations and conditions.
• Maintain credit records and limits.
• Support monthly reports for Local Credit Committees.

Responsibilities

• Interpret financial information and KPIs to make prudent lending decisions balancing risk & reward.
• Prepare credit reports with lending recommendations and conditions.
• Build and maintain strong relationships with internal and external customers.
• Monitor the Early Warning System and mitigate risk.
• Understand credit risk & collateral policies and ensure targets are met.
• Maintain credit records and limits.
• Support creation of monthly Local Credit Committee reports.
• Identify and implement credit review process improvements.

Skills

Credit analysis

Financial statement interpretation

Risk assessment

Communication skills

Analytical mindset

Attention to detail

Education

Undergraduate degree in Business Management or similar

Tools

Microsoft Office

PowerPoint

Project management tools

Job description

YOUR INTERSHIP. START WITH WHAT INTERESTS YOU.

The Credit Analyst is responsible for the credit management of part of the commercial finance portfolio, which requires prudent lending decisions and close monitoring and control to avoid losses whilst enabling growth and profitability.

BMW Financial Services, Farnborough, Credit Analyst - Placement Year (July 2027)

What awaits you?

• Interpretation of financial information and other KPIs to make prudent decisions balancing risk & reward
• Prepare credit reports with lending recommendation and conditions
• Build and maintain strong relationships with internal and external customers
• Monitor the Early Warning System and take action as appropriate to mitigate our risk
• Understanding and interpretation of credit risk & collateral policy and business strategy to ensure that targets are achieved and maintained
• Maintain credit records and limits.
• Support creation of monthly reports for the Local Credit Committee(s)
• Identify and implement business process improvements to ensure effective and efficient credit review and monitoring procedures.
• Ensuring lending processes always meet the regulatory requirements.
• Support Commercial Finance Area Manages with design and packaging of credit proposals to ensure adherence with central and local Credit Risk and Collateral Policies.
• Engagement with Credit Management Department to share/learn best practice across all markets.
• Implement recommendations from Credit Road Map assessments to improve the Compliance and Governance Management Maturity level across the various credit topics.

What should you bring along?

• Studying for an undergraduate degree in Business Management or similar and in line to achieve a 2:1or above.
• Basic customer services experience (i.e. retail/hospitality).
• Microsoft Office (incl. PowerPoint) advantageous.
• Quick to pick up IT applications (online tools, project management tools etc.).
• Good written and verbal communication skills.
• Strong critical and analytical mindset.
• Attention to detail and intellectual curiosity.
• Able to show an interest in sustainability and sustainable practices.

What can you look forward to?

• Great Pay– A competitive annual salary, 27 days holiday per annum (pro rata to your contract) and an attractive pension scheme.
• Rewarding Work-Life Balance – Enjoy a supportive working environment that promotes wellbeing, flexibility and sustainable success.
• Exciting Additional Benefits–You will have the opportunity to enjoy other employee benefits, a subsidised on-site restaurant and access to our Advantages scheme which gives you a range of offers and discounts.

What do you need to do now?

If you apply, the next stages of the recruiting process include online testing, an in-person assessment centre and then a virtual interview with the hiring manager.

Please note:

To be eligible for this position, you must be returning to your studies, for a minimum of 6 months, after completion of this placement. You must be able to provide proof of your legal right to work in the UK.

We are committed to promoting equal opportunities in employment and job applicants will receive equal treatment regardless of disability, age, gender reassignment, marital or civil partner status, pregnancy or maternity, race, colour, nationality, ethnic or national origin, religion or belief, gender, sex or sexual orientation.

At the BMW Group, we place great importance on equal treatment and equal opportunities. Our recruiting decisions are based on the personality, experience, and skills of the applicants.

Closing date for applications: Sunday 18th October 2026