Credit Analyst at Talented Recruitment Specialists

• A well-established company based in Melrose is seeking an astute, analytical, and commercially minded Credit Analyst to join their team.
• This is an excellent opportunity for a finance professional skilled in evaluating risk, making sound lending decisions, and supporting quality credit outcomes in a dynamic environment.

Key Responsibilities:
Credit Risk Assessment:

• Analyse financial statements, bank statements, management accounts, and tax records.
• Assess creditworthiness using financial ratios, cash flow analysis, and debt servicing capacity.
• Evaluate both quantitative and qualitative factors, including business model, industry risk, and management capability.

Deal Evaluation & Structuring Support:

• Review and stress-test proposed deal structures to assess viability.
• Recommend appropriate deal terms including deposits, repayment periods, residual values, pricing, and security.
• Identify risks and propose mitigation strategies such as guarantees, cessions, or upfront contributions.

Due Diligence:

• Conduct background checks on clients, directors, and related entities.
• Verify asset values and confirm supplier or dealer credibility.
• Ensure all required documentation for a complete credit review is obtained and accurate.

Credit Report Preparation:

• Prepare clear, concise, and well-motivated credit reports for internal or credit committee approval.
• Present transactions in a structured format, highlighting key risks and mitigants.
• Provide recommendations to approve, decline, or request further information.

Policy & Compliance Adherence:

• Ensure all credit assessments comply with internal credit policies and applicable regulations (e.g. NCR, FICA).
• Identify and escalate any policy deviations or exceptions.
• Maintain accurate records and audit trails for all credit decisions.

Portfolio Monitoring:

• Monitor repayment performance post-disbursement.
• Identify early warning signs of distress or potential default.
• Recommend corrective actions, restructuring, or recovery strategies where required.

Collaboration & Communication:

• Work closely with sales, legal, and operations teams to support deal execution.
• Apply independent judgement and challenge assumptions or overly optimistic projections where necessary.
• Communicate credit decisions and rationale clearly to internal stakeholders.

Continuous Improvement:

• Stay informed on economic conditions, industry trends, and credit risk developments.
• Contribute to improvements in credit processes, tools, and risk frameworks.
• Support training and mentoring of junior team members where applicable.

Systems & Administration:

• Maintain accurate and up-to-date records on Monday.com in line with company policy.
• Ensure all deals, notes, and documentation are captured daily and correctly.

Minimum Requirements:

• Relevant qualification in Finance, Accounting, Economics, or similar
• Minimum 5 years’ experience in credit analysis (asset finance experience advantageous)
• Strong financial analysis and interpretation skills
• Solid understanding of credit risk principles and deal structuring
• Knowledge of NCR and FICA requirements
• Proficient in Microsoft Excel and credit systems
• Strong analytical and critical thinking ability
• High attention to detail and accuracy
• Sound judgement and decision-making
• Ability to challenge constructively and remain objective
• Good communication and report-writing skills
• Ability to work under pressure and manage multiple deals