Credit Placement Analyst

The Curve Group; Towcester; On-site; GBP 38,000 - 60,000; Full time

Benefits offered by this job

Competitive salary

Company pension

Private medical insurance

Life insurance

Free on-site parking

Referral programme

Job summary

A growing UK commercial finance brokerage is seeking an experienced credit professional for their Credit Placement team. This role will involve making sound credit decisions based on packaged deals from sales teams, assessing credit strength, and negotiating with lenders to optimize approvals. The ideal candidate will have a strong background in credit analysis and should be confident in making reasoned decisions under pressure. Competitive salary, bonuses, and benefits are offered, along with opportunities for professional growth in an ambitious environment.

Qualifications

• Experience in credit placement, underwriting, or credit analysis.
• Confidence making decisions under pressure.
• Ability to interpret financial documents.
• Commercial mindset with the confidence to push back constructively on both sales teams and lenders.

Responsibilities

• Review and assess packaged financial proposals.
• Select appropriate lenders based on criteria.
• Negotiate improved terms with lenders.
• Liaise directly with lenders to position cases, respond to queries, challenge credit decisions and negotiate improved terms.
• Manage and balance deal flow across the lender panel to protect relationships and long-term pricing outcomes.
• Maintain accurate records within CRM and credit systems, delegating lower-value admin where possible.
• Provide clear feedback to sales teams on deal quality, lender appetite and recurring issues.
• Support communication of lender programmes, product updates and credit policy changes into the wider business.

Skills

Credit placement experience

Numeracy

Attention to detail

Excel skills

Relationship management

Attention to detail

Commercial mindset

Relationship management

Job description

Get AI-powered advice on this job and more exclusive features.

Direct message the job poster from The Curve Group

A well-established and growing UK commercial finance brokerage is looking to strengthen its Credit Placement team. The business has a strong track record in the market, significant lender relationships, and an ambition to become a true one-stop shop for commercial finance.

This role is ideal for someone who enjoys making commercially sound credit decisions, influencing outcomes, and working closely with both sales teams and lenders to improve acceptance rates and deal quality.

The role

Sitting within the credit placement function, you will be responsible for making fast, well-reasoned placement decisions on packaged deals received from the sales team. The focus is on credit assessment, lender selection and negotiation, with administrative support in place to maximise your time on high-value judgement calls.

Key responsibilities

• Review and assess packaged financial proposals, sense-checking structure, affordability, credit strength and completeness
• Select the most appropriate lender based on appetite, policy, pricing and likelihood of approval
• Refine or amend proposals prior to submission to improve approval rates and commercial outcomes
• Liaise directly with lenders to position cases, respond to queries, challenge credit decisions and negotiate improved terms
• Manage and balance deal flow across the lender panel to protect relationships and long-term pricing outcomes
• Maintain accurate records within CRM and credit systems, delegating lower-value admin where possible
• Provide clear feedback to sales teams on deal quality, lender appetite and recurring issues
• Support communication of lender programmes, product updates and credit policy changes into the wider business

What we’re looking for

• Experience in credit placement, underwriting or credit analysis within asset finance, commercial lending, unsecured business lending or a similar environment
• Confidence making reasoned decisions under pressure and justifying lender selection and deal structure
• Strong numeracy, attention to detail and disciplined CRM/system usage
• Commercial mindset with the confidence to push back constructively on both sales teams and lenders
• Ability to interpret accounts, management information, forecasts and bank statements (or a strong desire to develop quickly)
• Good Excel and data-handling skills
• Organised and pragmatic, focused on high-value decisions over low-value administration
• Service-driven with a strong sense of reputation and relationship management
• Competitive salary + bonus
• Company pension
• Private medical insurance
• Life insurance
• Free on-site parking
• Referral programme

Due to location of the offices, a full, clean driving licence will be required.

If you’re an experienced credit professional who enjoys balancing risk, commerciality and lender relationships, this is an opportunity to play a key role in a growing and ambitious finance business.

Please apply to find out more.