Credit Analyst and Underwriter

Credit Analyst and UnderwriterSpecialist Business LenderNorthampton (Office-Based) 35,000 + Annual Bonus + Private Healthcare + Enhanced Pension + Life AssuranceIf you are analytically sharp, commercially curious, and want to build a career in business lending where your thinking genuinely influences outcomes - this is where that career starts.The RoleA high-growth, technology-driven specialist SME lender is seeking a Credit Analyst and Underwriter to join its Northampton-based credit team. This is a role that combines analytical rigour with real lending judgement - you will not simply be running numbers through a model. You will learn to assess businesses, interpret financial data and form independent views on creditworthiness.The business has built a strong reputation for intelligent lending - combining data-led decisioning with experienced human judgement. As a Credit Analyst and Underwriter, you will sit at the intersection of both, working alongside senior credit professionals who are genuinely invested in developing the next generation of talent.What You Will DoAnalyse credit applications for SMEs, sole traders and growing businesses across a range of lending productsInterpret financial accounts, management information, bank statements, credit bureau data and Open Banking outputsForm independent credit views on business quality, repayment capacity and risk profileWork alongside experienced senior underwriters on complex and higher-value transactionsCommunicate ..... full job details .....