Senior Credit Analyst — SME Lending

TechTree; Kraków; On-site; PLN 388,000 - 517,000; Full time

Job summary

TechTree, in Luxembourg, seeks a Senior Credit Analyst to structure complex SME deals and mentor a growing team. You will make independent, risk-based credit decisions and guide underwriting practices.

The role requires significant experience as a credit analyst or underwriter, strong risk assessment, and leadership capabilities to coach junior analysts in a fast-growing lending business.

Qualifications

• Significant experience as a Credit Analyst or Credit Underwriter.
• Strong risk assessment skills without over-reliance on automated models.
• Leadership or mentoring experience in a lending environment.

Responsibilities

• Assess SME loans and make independent, risk-based credit decisions
• Structure lending solutions for secured and unsecured loans outside traditional models
• Mentor junior analysts and help shape underwriting best practices

Skills

Credit analysis

Risk assessment

Leadership/mentoring

Education

Experience as Credit Analyst/Underwriter

Job description

Senior Credit Analyst — structure complex SME deals and mentor a growing team. Luxembourg.

Our client is a fast-growing business lender supporting SMEs with fast, flexible funding. This role makes independent, commercially-minded credit decisions beyond automated models, and mentors junior analysts.

What You’ll Do

• Assess SME loans and make independent, risk-based credit decisions
• Structure lending solutions for secured and unsecured loans outside traditional models
• Mentor junior analysts and help shape underwriting best practices

What We’re Looking For

• Significant experience as a Credit Analyst or Credit Underwriter
• Strong risk assessment skills without over-reliance on automated models
• Leadership or mentoring experience