Credit Applications Analyst

Description

Our client is a growing financial services business based just outside Glasgow city centre. As a Credit Applications Analyst, you will assess finance applications on a case-by-case basis, using a blend of data analysis and professional judgment. The role involves making credit decisions that balance customer affordability with company risk appetite, in a regulated and fast-paced environment.

Key Responsibilities

* Evaluate applications by reviewing credit reference data, affordability indicators, and vehicle criteria using tools such as credit bureaus, Glass’s Guide, and CIFAS.

* Make sound, policy-aligned decisions within the scope of delegated authority.

* Conduct due diligence checks including trace, fraud prevention, and AML monitoring.

* Record comprehensive notes and any sanction conditions in line with internal processes.

* Maintain GDPR compliance and ensure customer data is handled securely and appropriately.

* Report any suspicious activity in accordance with anti-fraud and AML procedures.

* Identify and communicate areas for improved operational or customer efficiency.

* Provide a professional and empathetic service when interacting with internal teams or external stakeholders.

* Ensure information provided is accurate and confidential, and follow through on agreed actions.

* Contribute to a positive, inclusive, and collaborative team culture.

Essential Experience & Skills

* Previous experience in financial services.

* Ability to analyse and interpret credit reference data.

* Comfortable working under pressure in a high-volume, target-driven environment.

* Strong attention to detail with analytical and numerical capability.

* Flexible, with a proactive and solution-focused mindset.

* Prior underwriting experience.

* Studying towards or holding a qualification in Finance, Risk, or a related field.

What’s on Offer

* Hours: 35 per week

* Excellent benefits package including generous annual leave, pension contributions, and hybrid working arrangements.

* Supportive, inclusive company culture with opportunities for professional development

Ad ID: 5416916990