Senior Credit Analyst

What You'll Be Doing: Credit Assessment & Decisioning Review and evaluate Business Banking credit applications in line with approved credit policies and guidelines. Conduct required credit checks, documentation reviews, and system validations before recommending or issuing decisions. Process approvals, declines, and rejections within the relevant credit systems. Ensure all decisions are supported by accurate analysis and complete documentation. Credit Operations & Administration Process credit-related activities accurately and within agreed turnaround times. Issue Letters of Undertaking (LOU), Local Purchase Orders (LPO), and related documentation following approval. Support ongoing credit administration and portfolio maintenance activities. Assist in the preparation and maintenance of management information and reporting. Risk Management & Controls Perform periodic control checks and identify discrepancies or process gaps. Escalate irregularities, incidents, or potential risks in a timely manner. Ensure compliance with internal procedures, operating guidelines, and regulatory requirements. Contribute to maintaining a strong control environment across the Credit function. Stakeholder Management Collaborate with Business Banking, Sales, Credit Operations, and other internal stakeholders. Build strong working relationships to ensure smooth processing and excellent service delivery. Communicate effectively on application status, documentation requirements, and operational matters. Support internal customers while maintaining service quality and turnaround standards. Process Improvement Identify opportunities to improve credit processes, controls, and operational efficiency. Recommend enhancements that improve customer service while maintaining risk discipline. Participate in departmental initiatives and continuous improvement programs. Support the implementation of new procedures and best practices. What We're Looking For: Education Bachelor's Degree in Finance, Business, Banking, Economics, or a related discipline. Experience Minimum 2 years of experience within Banking or Financial Services. Experience in Credit Operations, Credit Assessment, Lending Operations, or a related function. Understanding of retail and/or business banking credit processes. Industry Exposure Knowledge of credit policies, documentation requirements, and lending processes. Familiarity with banking systems and credit workflows. Understanding of regulatory and compliance requirements within the banking sector. What's In It For You: Competitive, performance-linked compensation. Medical coverage for you and your family. Comprehensive life insurance. Opportunity to build a rewarding career within Credit Risk and Banking Operations. Exposure to a broad range of Business Banking credit products. A collaborative and performance-driven work environment focused on continuous development. Skills: Credit Analysis: Understanding of lending processes, documentation, and credit assessment principles. Attention to Detail: Ability to process transactions and reviews accurately. Risk Awareness: Strong focus on controls, compliance, and risk mitigation. Customer Service: Commitment to delivering high-quality support to internal and external stakeholders. Problem Solving: Solutions-oriented mindset with strong analytical capabilities. Teamwork & Communication: Ability to collaborate effectively across multiple functions.

Education: Bachelor's Degree in Finance, Business, Banking, Economics, or a related discipline. Experience: Minimum 2 years of experience within Banking or Financial Services; experience in Credit Operations, Credit Assessment, Lending Operations, or a related function. Understanding of retail and/or business banking credit processes. Industry exposure: Knowledge of credit policies, documentation requirements, and lending processes. Familiarity with banking systems and credit workflows. Understanding of regulatory and compliance requirements within the banking sector.

Credit Assessment & Decisioning: Review and evaluate Business Banking credit applications in line with approved credit policies and guidelines. Conduct required credit checks, documentation reviews, and system validations before recommending or issuing decisions. Process approvals, declines, and rejections within the relevant credit systems. Ensure all decisions are supported by accurate analysis and complete documentation. Credit Operations & Administration: Process credit-related activities accurately and within agreed turnaround times. Issue Letters of Undertaking (LOU), Local Purchase Orders (LPO), and related documentation following approval. Support ongoing credit administration and portfolio maintenance activities. Assist in the preparation and maintenance of management information and reporting. Risk Management & Controls: Perform periodic control checks and identify discrepancies or process gaps. Escalate irregularities, incidents, or potential risks in a timely manner. Ensure compliance with internal procedures, operating guidelines, and regulatory requirements. Contribute to maintaining a strong control environment across the Credit function. Stakeholder Management: Collaborate with Business Banking, Sales, Credit Operations, and other internal stakeholders. Build strong working relationships to ensure smooth processing and excellent service delivery. Communicate effectively on application status, documentation requirements, and operational matters. Support internal customers while maintaining service quality and turnaround standards. Process Improvement: Identify opportunities to improve credit processes, controls, and operational efficiency. Recommend enhancements that improve customer service while maintaining risk discipline. Participate in departmental initiatives and continuous improvement programs. Support the implementation of new procedures and best practices.